DEAR HARRIETTE: I had a lot of ideas this year that I tried to execute, but here I am at the end of the year feeling like a failure. I did complete a couple of the things that I had mapped out, but nothing made me any money, and I feel like I wasted my time. My wife told me that I need to get my act together and stop with all these schemes. She says that my so-called "bright ideas" end up costing …