After some very bad months in the spring due to the high prescription costs of the health insurance plan ($4000 deductible total) and delays in getting the tax return and bonus back we are back in solvency. I also cashed in a low-performing 401K from a company I hadn't worked at in 13 years. The taxes are already prepaid. I didn't want to do it but we needed it for the downpayment for the new car we bought in April after being down to 1 car for 6 months. We got a 2013 Kia Rio - a nice little car and they gave us a very good deal with a good interest rate (1.9%) and the payment level we wanted. Unfortunately this brought us back higher in debt again but we only have 2 more car payments on the other car and about 4 more very small payments on the student loan. Then I just have one more outstanding bill (other than credit cards) to pay off which is the dentist.
I also found out that I have a job for another 3 years - our contract got renewed and with the new contract I'm getting a big raise. So hopefully I'll be able to pay the car down faster like I was doing with the other car although the credit cards do come first.
All of this just in time so next year we will be getting loans for my daughter starting college. Thankfully she is a very good student and she is planning on going to an in-state college so I'm hoping for lots of scholarship and financial aid.