So I have been reading and reading and thinking and thinking.
I have a plan. Although we still have debt, including the mortgage and home improvement loans, I am going to begin an aggressive saving plan starting now through June. My goal is to save a minimum of $500 per check, which is about $1000 per month. Right now I am saving about $300 per month, however, ahem, sometimes I may take it out and use it. Let's not discuss that right now.
I am in love with my new plan, and knowing that we will have a big chunk of money in savings by June will give me the incentive not to spend any extra money.