I just upgraded to a (2011) 13" MBP and I'm still trying to get a 32 GB iPad 2 (Wi-Fi only) as my first iOS device. I'm giving my old (2010) 13" MBP to a friend.
But later this year, when my mortgage is paid off, I might spring for my first iPhone (although i'm still concerned the small screen may be unmanageable for me... due to vision issues which may, or may not, be resolved later this year).
Also, when my mortgage is paid off, I'll consider getting a MobileMe account and next year perhaps a 128 GB iPad 3 (Wi-Fi + LTE/G3 GSM). If I get that iPad 3, I'll give my old iPad 2 to a friend.
But all this is a matter of treating myself to toys that I do not really need. First I need to focus on financial fundamentals like paying off my mortgage.
Sounds like you need to pay off your mortgage.