Caroline Mackenzie/CREDIT  Marlon James

Caroline Mackenzie/CREDIT Marlon James

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"One Year of Ugly" by Caroline Mackenzie

The officer at the bank said "yes." And there you were: the proud owner of something big, something you'd wanted your entire life. That's thrilling, on one hand, and scary on the other: you've achieved your dream, but you'll be contributing toward that loan for many years. And as in the new novel "One Year of Ugly" by Caroline Mackenzie, payback is no fun.