"Time stays long enough for those who use it". --Leonardo Da Vinci
I guess this means getting off my chair and following up on a few things. Using the time and not the excuse that "it's the holiday season". Cut yourself some slack, but don't cut the cord - yet. It's still business as usual as far as the IRS, the bank and the credit cards are concerned. Make the calls. You may get voice mail - more than likely you will get voice mail. However you are getting their voice mail - your client isn't getting yours. Set yourself apart from the crowd.