My husband got a new job last week, which came with a gigantic pay raise. I did the math this morning and figured that if we take a third of his raise and put it toward our existing debt we could be rid of almost all our unsecured debt within five years. The only debt left would be my stepson's student loans, which we have not started paying on.

I did a little happy dance, and then calculated some more and figured out that we can now pay to have someone replace our fence. And -- most importantly -- I can keep our biweekly housekeeper visits up.

Big happy dance!