D - I feel really good about your decision to wait until the New Year. You seem to be making good progress, and I would hate to see that derail at this point. Be just a tiny bit hard to get. No heart dangling from your sleeve, ok?
I understand about the money...if I lived closer we could split rent through the holidays! That's all you want right? Big sister moving in? LOL
It'll be okay. Your boys are pretty easy to please at their age. Do you have snow at Christmas? A tricked out sled (bought at Goodwill and decorated at home) is a gift we did one year to "fill in"...turns out to be the main thing they remember all these years later!