When we had a lot of expenses to take care of that we just couldn't seem to get on top of, we refinanced our house and took care of it that way. Made getting our house paid off a longer process but kept the payments within our ability to pay and it was only a single payment each month. Down side, it was a single payment that had to be paid all at one time, no spreading things out over more than one payday (DH and I got paid on opposite weeks).