[yagersmom]

Terry -

Thanks for the reply and the advice. I need to say that I do agree with you re: our debt and how we got there in the first place. Well, most of it is a long, drawn out story but the good news is that we have not used our credit cards in over 2 years now so as far as ensuring that we don't continue to incur more debt, we're on the right track. Plus, remember that $50K of it is a loan from my parents that we are not obligated to begin payments on until 2009 - we just want to get it out of the way now. Also, as for the improvements, we want to do a few things to the home that will increase its value and at the same time allow us to enjoy the home more for the remainder of the time that we'll be here - could be 2 years, could be more. The improvements will benefit us now and later when we go to sell. I appreciate any further input you may have. Thanks.