hi hear you on the mortgage thing!  i decided to go halfies (wondering if that would be how one spells half-ies?!) this summer... both kids 8 + 6 will attend a half-day camp for about half of the summer.  hence... i've had to go halfies as well at cut back on work/blogging etc.  i've only been nagged about say oh, 15x to get off the computer and help or color or fix a snack.. but i'm trying!