I just found out that we officially got our house refinanced. That means that as of today, we own the truck outright, can pay off several bills, and I will have the IRS off my back for the first time in several years; in addition we will have some left over to fund some home repairs and put into savings, and our house payment will be about half of what the total bill payments were. Plus we got a percent-and-a-half less on the interest rate. It's not out of the woods, but the path just got a whole lot easier.