Ray, Merry Christmas to you too!
Thanx all for the suggestions & advice. At this particular time, I can't afford to change jobs. I'll see how this year goes. Also, my future wife is in the middle of a course in Health Care Aid. She's moving in next month when she's finished. It'll be easier to see how things go when our incomes are combined, when she gets a new job, and when the wedding's finished. It's going to be a busy year for me.