By about January 10th I'm itching to get out of Dodge but I'm all too aware of the ol' Visa bill in the mail pile. By re-thinking what I want out of a getaway, I've been able to achieve the much-needed mental health vacation. Forget the sun and surf and think low-season options like Europe and Northern U.S. cities like NYC and Chicago. Charter airlines also offer great deals if you're willing to fly on the days they take off and return.