What I am realizing, however, is that when Elsie starts Kindergarten with Oscar on her heels, there will always be something to pay for, so we probably will need to have a sinking fund for school expenses. I admit I've had the thought about whether pursuing preschool will be worth it in the end (from a strictly financial standpoint), or if Oscar will be going to preschool next year given the chance. We'll see.
Next month I will do a summary of what we have paid off in two years!! So exciting!!