Money is a year-round problem -- not just a holiday concern. And the simple domino effect is that money problems cause stress. And we have solid research showing that employees falter with more stress, and work better with less.
Promising temp-to-perm positions petered out for my husband. Asking for raises lost me clients as a freelance writer. Unemployment ran out. And now, with two kids in preschool, our "trimming down" is more like a Brazilian bikini wax.