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DH and I have pretty good credit (all accounts current, etc.) and we are taking out a home equity line of credit to finance the majority of our adoption. We plan to make payments on it every 2 weeks when DH gets paid. We will have to come up with travel expenses and some legal expenses on our own, although my mom has offered to help with some of that stuff should we need the money in a hurry. We are trying to do a combination of savings and paying for debts -- as I really like to have a "cushion" in the savings account.