This year handed out disappointments and setbacks right and left. It all started in January when our water heater went out. Cold showers are not an option for my wimpy body, so we had to have it replaced immediately. This was not in our budget, so we used our recently paid off Home Depot credit card. Sigh. To save money, my hard-working hubby looked up YouTube videos and replaced the water heater in record time. While we hated incurring the expense, we were grateful that we had an empty credit card to handle the purchase. A few days later, Karly, our dog, began whimpering and squealing in pain. Her back…