[greedy4chips]

Amber,

I think you are doing great utilizing all the suggestions so far! You have seen the light on the whole life policies, what a waste of money they are. Term + a mutual fund costs the same and returns so much more to you over time.

I realize the lease is a sticking point right now with DH. He doesn't want to buy other people's problems and likes to have a reliable vehicle for you and the kids to use. If you use "lillyb's" suggestion and buy your way out and get the $3K vehicle for 1 yr you can have an emergency fund for any repairs and have $100/month to help with debts. Biggest benefit is you are free from payments in 2 yrs vs whatever is left on your lease + you actually own the vehicle to keep or sell to the next victim...j/k. With the lease you have no clue what extra charges you will get once the lease is done, extra mileage of 2000 miles already leads me to believe you will owe around $800 for extra mileage alone or you will have to park it to get back under the allotted mileage.

Selling the house seems to be your best choice given all the reasons you stated. If it was strictly a financial one, I would be against it, but you have given very valid reasons to sell.

What was your income tax refund amount this year? I think that is your next way to get a pay increase!!!!