DH was just laid off. If he gets a job soon, then we will use the severance to pay off all of our bills. If not, then hopefully he will not take too big of a pay cut. Our spending is way down right now. I did already pay for a cruise in February. It is a school trip to tour the Mayan Ruins and is none refundable. I don't know if DH will be able to come. If he starts somewhere new, I doubt they will give him time off that soon.