Another thing that happened before the trick or treat fun was going over our budget. We've been building up a rainy day fund while paying down our debt, and I talked to W about it. She's been handling the finances with my help, so I didn't want to just jump into things. I asked her if she thought we were doing well enough to pay another chunk off our line of credit. She said yes, so we figured out how much we were both comfortable transferring. She said November will be an expensive month with some bdays and getting all the Xmas gifts taken care of.