[Ima saver]

I think you should keep your mortgage with your grandfather. You are paying him cash, so he is not reporting the 5% interest, so he does not have to pay taxes on that. I had a family member years ago, that loved to do that! He would loan, and people would pay him back in cash.
You need to learn to set up a budget. The first thing you need to do is pay yourself first and set up an emergency fund. i reccommend that you take 10% of your husband's pay and open up a savings account. If you can't do 10%, do something. Start with 2% and increase it every 3 months. You will get some money saved that way for your new roof and windows. When you get your car paid off this year, take that same amount out of each pay check and put it into your savings, don't spend it on anything else.
Join the $20 challenge. Start saving any extra money you make from using coupons, rebates, etc.