If you would please add my wife (who sometimes comments here under the name St. Joan) to your prayer lists. She will be going into surgery in early January to have a myomectomy. The recovery period is 3 to 8 weeks. I have no doubt she'll bounce back quickly. She just seems to do that.
Peripherally, this situation has developed since we moved to a high-deductible insurance policy (on which I cover all premiums, as a self-employed person). We will be having a tight winter and spring financially.