I think Emma had some great ideas about planning for the future and everything, but I also wanted to add that I think you have come such a long way in the last few years!
You've starting working and James has moved into childcare really well, obviously a social young man! You are helping out your sister in a huge way which reflects what a supportive person you are. And look at your ticker! You are heading to Perth!! I'm so jealous!!
And, dare I say it, he'll be 3 soon and will qualify for 20 free hours - you can either take on some more work and get more $$$ or work some more on the other goals you have, like weightloss etc.
Good luck sweets - exciting times ahead