DEAR HARRIETTE: I recently took out loans so I could go on a vacation.I know that sounds financially irresponsible, but I hadn’t gone anywhere in 10 years. I work paycheck to paycheck, and I needed a break from working all the time. For a moment, the trip made me feel human again, rested in a way I haven’t felt in years. Now that I’m home, reality has set in. I’m overwhelm...