Thanks everyone. It took being laid off and getting a severance package to do it but it's done. We recently charged a few furniture items (planned for) that I am paying off with my tax return of over $9k coming soon. The rest is going into savings in anticipation of having a big tax bill next year and in case I have to go on mat leave. But being debt free allows us to now start saving for our dd's education, creating a separate EF and start tackling my dh's student loans. And I've reset up deductions (9%) at work towards an RRSP. (the company matches up to 4% after I've been here 6 months).
Being a "spender" it's been hard not to treat ourselves on things we've been living without. And we have purchased a few things - new BBQ, clothes, a few gardening needs, etc. But I have been managing it quite well.
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