So I sat down with my calendar and my budget and figured things out for the rest of the year. Now that we are on a four week cycle (3 weeks of pay, 1 week of no pay) it should make it easier to pay things without having to make a tremendous stretch of two weeks with no pay. It was doable, but always took a lot of planning. Less planning now, more ease when making payments. I don't know how people who get paid only once a month do it. Well, yes, I do. Planning.

DH said last night that they are getting caught up on stuff so he won't have to work that extra week, which means he will be home on Wednesday. Boy, 2 and 2's go so much faster than 3 and 3's. He still doesn't know about that extra week off in January, though. Ugh. I don't like being in limbo. So far I've got $1000 saved just in case. I am hoping to add at least $2000 to that by year's end. Then if we don't need it, to extra debt repayment and to HSA it goes.

Everything is so tangled up right now. It may be June before we are out of credit card debt. I just don't know. At the beginning of the year I was so hopeful we'd be out by year's end. Oh, well, stuff happens. I wish we hadn't had so much new medical on top of everything else this year. Still, we have made more progress than I ever dreamed, so I have to stick with the positive mindset that it's coming and we'll be out of that debt soon enough.

The tax return should be huge because we can deduct the full amount of a maxed out HSA. That will at least put a big dent in it.

Hmm...I wonder if I can stretch $2000 over that extra week period instead of $3000? I am going to have to juggle some more numbers, but if I can free up that $1000 for debt I would feel a whole lot better.