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Reply to "Highest LTV Home Equity Alternative to NFCU 95%?"
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[quote=Anonymous]um, we had to spend money on plane tickets to go visit my in-laws. It wasn't like we went on a wild spending spree for christmas. We actually DO have the money in savings, but I prefer not to have to take money out of savings if I don't have to. We already paid $5K out of pocket for the roof - prefer to pay the rest ($10K) off with a HELOC rather than savings, which might be needed for other things. Most people who get house repairs that big finance it that way. We haven't taken a real vacation in several years because we don't have the extra cash for it. It also doesn't help that it costs $500 per ticket to go visit my in laws when it used to cost $200. But we really can't feasibly say no, we can't come - we just suck it up, buy the tickets and go once a year. Look, if we come up to the fall when the first 0% offer expires and we can't get a HELOC, we'll pay off with the savings (as long as nothing else comes up) and hope for the best. Lots of people live with some level of debt. We have one car paid off, we have no student loan debt - we're not totally irresponsible.[/quote]
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