Diamond Girl, thanks for your suggestions. We are off loading our investment unit, its currently on the market. Until they sells yes I have to go back to work, to keep up with the mortgage. Once this is sold it will knock a decent amount off our mortgage, and then we are going to re asses the situation. So its not all doom and gloom, hopefully I will be able to stop work and stay at home with Madeline. If I didnt have to put her into child care I wouldnt feel so bad, but both our parents work. I am just going to see how it all pans out.