So after looking at the layout for this month putting us at $750 in the red I decided to estimate next year's taxes to see how close we are to paying off DH's car so that can free up more of our monthly income.

Factoring in my tuition, the four kids, my student loan interest, the loss on the other house, property taxes on this one, etc, etc, etc... we should get back around $8K.

I had already adjusted DH's withholding in May so I think next year I'll adjust it again because there really is no reason we should be overpaying $8K.

But I feel a little better after seeing that, we owe $9K on his car, each month we pay down about $380 to $400 on it so the $8K tax return should more than pay it off.

So we're on track still... its just tight in the meantime. Yet thats why I have to sit down and assess where we are in the 4 month goal in our 3-4 year plan. As long as we're still on track I can't get too down but it also serves as a reminder that I need to keep working at it so I can reach my goal.