For decades I've saved my money all year long so that I can shop Black Friday sales for all the stuff I need and want at a discounted price. Usually clothing.

That hasn't been the case this year.

In trying to get my home repaired, every cent I have has to go towards plumbers, electricians, and contractors and such. And they ain't cheap.

But it is nice not having a hole in my kitchen ceiling... even if other ceilings and walls are still torn up.

That's a story for another tax refund.