'Happy' New Year! (sigh)...

...Yeah, that's the definition of a day late and a dollar short, isn't it? Really, I wish I could do better.
There are a bunch of factors in my personal dread of the coming year:

• personally, one year ago, I was debt-free and putting aside a full one-third of my income monthly as savings and/or discretionary spending! Today, after buying a house last March -- and taking on the accompanying mortgage -- trading in my car for a newer model in August, and acceding to a couple of low-limit credit cards amidst all that, I have more debt than ever (though more assets, too!). Don't get me wrong, I love my house and feel lucky to be here. It's the best place I've ever lived besides the farm I grew up on. But, my financial options are tied in knots...
• I'm as un-enamored with our current federal administration as I expected to be when Barack Obama was elected president. He is everything I thought him to be: inexperienced, and arrogant about it (meaning he doesn't realize how out-of-his-league he is)!; left-wing to the border of Socialism; personally aloof, which along with his arrogance, almost makes you want him to fail until you realize it's MY COUNTRY, too, he'd be failing!; his failings are coming into view early, giving him plenty of time to recover before seeking re-election (Americans have such short, optimistic memories!) -- and 8 years of this sort of government may be fatally irreversible.
• I truly don't know what to do about money, which I fear will soon be almost worthless with the inevitable hyper-inflation that so many protest today won't really happen. Well, yes, it will! We've been pumping up the money supply since at least 1994, at a rate far out-stripping employment and productivity. I don't blame it on Obama, specifically -- it began with George H.W. Bush's 'no new taxes' dishonesty, and has continued through three presidencies since! -- but the current lack of realism about budgets and deficits is beyond scary. So, I don't know whether to hold cash in the safe, buy canned goods and non-perishables, lay in more ammo, or just spend it all and man the barricades! I DO have a long-tenured, public-employment job (teaching), so I may be able to ride out the high unemployment -- which will allow me to pay back my mortgage with worthless dollars! Alas, you might also find my starving, dessicated body on the living room floor.
• We've spent eight years and thousands of American lives opposing an implacable, Islamist foe to Western democracy, and are now led by political entities who think if you play nice and fair with it, it will respond in kind. If we wind up suffering terrorist victims in large numbers at home or in allied lands, how will we stand the guilt and regret that it would have been better to spend those lives gaining ground on some foreign battlefield toward irradicating the threat for future generations?
  

All in all, I expect 2010 to be a regrettable year. If I am wrong -- and I hope almost beyond hope that I am! -- I pray that I am around at its end to make amends. That is, I'm afraid, my best wish for you and yours, too.