Since I've been able to squelch some of the unnecessary spending and now have a better grasp on planning and buying what we need, I realize the eed to some up with some conrete goals/plans.

(1) Replace DH's car with reliable minivan for me. Use the replacement money from the insurance company and the gift money from F to make the best purchase possible. Do homework and comparison shop.

(2) Use tax refund and tax rebate for real estate taxes.

(3) $3000 for replacement roof - March or April

(4) $2,300 to travel agent for vacation in June

Next step will be to come up with rank/order of importance - and how to allocate extra cash.

Making some progress ...