Pop quiz: You're buying airline tickets to visit grandma for the holidays. She lives on the other side of the nation, too far away to drive. You've budgeted $400 for holiday travel, but you can't find airfare for less than $575. What do you do? a) Tell grandma she'll have to spend Christmas alone. b) Spend it. You'll claw the money from somewhere else -- maybe you'll cut back on restaurants or skip your spring vacation. This is just a hunch, but I'm willing to bet that most people pick Option B. Next question: Your adorable kitten (or puppy) needs