I'm worried mainly about credit....as I have a mortgage application going through now.
Well, that settles it. No funny business, they're not exactly throwing money at applicants right now. Maximise your chances - meaning, keep it clean.
What you need is a holiday. Get out of there for 2 weeks, your wife might actually get some more work on her dissertation done if s/one else isn't there. Come back refreshed. It's not the 1990s, no 24-hour coach trips, jump on a plane, do it.
And do it again in 6 weeks if you have to.