- refinance the house onto a 30-year mortgage at 95-100% of its value (and get the lower interest rate),
- use the equity I've built up to pay off the car loan,
- take in a boarder at some significant fraction of my lowered mortgage payment (are you still looking for housing, guardediris?), and
- use the next four months to beat down the rest of my debt,
I think I could just about get away with going hiking, at least from a financial standpoint. We'd have to see what the relationship impact would be, though.