As some may recall, I have an issue destroying (shredding) those convenience checks at 1.99% interest for the next ten months or so. That is a battle I am really fighting - using those and preserving the capital I have. Kind of warped, I know, I know ... Really, I do know better than using those, but my money is my security.

The new roof is going on the rental property on Sunday. The cost: $2,800 for a complete tear off. I have the money in my checking account - have been collecting it for some time (paychecks and rent, etc). No more debt acquired.

I will also have enough money to pay the remaining balance on the HELOC ($761.00). I will then close that account (I am trying to get things stream-lined and close unused accounts - I DO realize this may not be the best for my FICO, but I am not planning on purchasing or financing anything for the next few years).

I will have enough money to live on until next rent comes in. DH's next check from the regular job plus from the supplemental should cover the real estate tax payment (I may be short, but I will transfer the remainder from the EF portion of my money market account).

If I just breathe and tackle things one day at a time, the overwhelming picture doesn't seem so all-encompassing.