DEAR HARRIETTE: I am an immigrant, and I have lived in this country for more than 20 years; in fact, I am now an American citizen. My problem is that as much as I want to visit my family in my home country, it is so expensive that I can go only every few years. I save as much and spend as little as possible here, but my expenses are considerable. Also, because I live in the United States, my famil…