February is always a great month for savings for us. We got out tax refund, DH's coaching extra pay, and our spending was pretty low. With all that extra money we are currently on track to:

- Finish expanding our e-fund for baby in October (6 months early)
- Finish our car fund in November (5 months early)
- Finish our down payment fund in April 2013 (2 months early)

After that is achieved, I'm going to continue putting money into the Car Fund account. After my lease ends and we buy the car in April 2012, I'm going to redirect my monthly lease payment into my Annual Savings account. This will then serve as both an annual expenses account and a car fund. The old car fund account, and any leftover money, will then become our student loan account.

DH's loan, $8500, will be due around June 2012, but with APLE paying them off, we are planning to only pay the minimum until DH finds a new job. At that point he will probably either not be a teacher or not be teaching in a low income school. As soon as APLE is no longer supporting him, I want to pay off the loan.

In addition, my loans, $19125, will come due around December 2013. I'm really, really hoping to pay them off. There are a few mitigating circumstances:
1. Half of the loans are at a variable interest rate so if they are low I won't pay them quickly. The other half is at 6%. I'm hoping I can direct my extra payments.
2. I'm uncertain if we will have saved enough when they come due and I don't really want to tap our other accounts (down payment, car, efund) to pay them off.
I'm going to have to see how high my rates are when I start paying them off and where we are in life.

Other life plans that are coming up:
- Any day now DH will get his pink slip. Thank you unions and state and district budget offices for giving teachers another middle finger. Love ya.
- If DH gets rehired (and doesn't lose his health insurance over summer), we will start trying to conceive this summer. Otherwise we will start when his insurance returns. I have to avoid having the baby after July 1 when the insurance always stops. (Thanks again unions and budget offices).
- I'm looking at finishing my dissertation Spring 2013. I'm going to start applying for jobs July 2012 when my data collection ends. If someone wants to hire me, I will start work while I finish analyzing and writing my dissertation even if that means moving.

Cross that bridge when I come to it.
~This seems to be a reoccurring theme in my life.