I have adjusted well enough to the cold that I wore a sweatshirt in 20 degree weather and was comfortable.
I walked with the dogs down to the pond again this morning. Watson is enthralled with being able to walk on the ice and I was comfortable enough with the thickness to let him. As he neared the banks, he slipped and then the sound of an air bubble under the ice drove us back home.
I spent most of last night and part of today sitting down to figure out budgets. It looks like I could be completely debt free in a two and a half years if I stay diligent. I think two years is realistic, honestly. It means a shoestring budget, but in the end I think it will be worth it.