My wife and I spent some time the other day to go over finances since she's been working again. Instead of working her extra money into our monthly budget, we decided to apply her money directly to our debt snowball.
Even though the likelihood of her working more than two days a week is fairly high, we decided to go on the conservative and only do our calculations based off of two days. With this in mind, we will be able to pay off one of our cars in six months. What's exciting is that if she works more than two days a week, or if I get some extra money with my side jobs, we can reach this goal much faster.
We also extrapolated this out and found that we would be completely debt free except the house in three years. Factor in raises and extra income and this snowball is starting to get really exciting :).
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