How to convince spouse home renovations make financial sense

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I would not expect to get a lot of return on 15 year old renovations

Selling a house 15 years from now with original 1980s everything or with 2023 updates are the options.

Which is better?

I think we will need to heavily discount a home with 1980s fixtures. I think we can rather easily maintain a renovated house (particularly since we no longer have very young children). And we could enjoy our home rather than be embarrassed by it.

You'd be a lot happier in life if you could let go of the shame and guilt, because I'm assuming you think that way for everything: cars, clothes, vacations, college, what people do for a living, etc. Insecurity is poisoning your life.

I empathize if you bought a house with fixtures you don't like, but come on. The immense majority of people in this world live in houses that are not catalog worthy! I live in a very old and tiny house in Bethesda: we could only afford to redo the ground floor. None of the upstairs doors can close, even the bathroom door. The bathroom window frame is falling apart. The floor is uneven. We have the same gutter problem and the garage is so dilapidated it's a miracle it's still standing.

And yet I love my house. I bought it because it had good bones and lots of light coming from all sides. We have a fun garden with plants we took some effort to find online.

You can all the renovations you want, but it's your mind you've got to fix. Don't be embarrassed by old, worn things. Find value in at least some of them. Don't waste your time thinking for one second what the neighbors think.

I hear ya, but you are wrong when it comes to me. I’m not insecure and I don’t try to keep up with the Joneses. As I said, we drive old cars. I still wear clothes I bought in college. I’m not materialistic at all.

The 1980s kitchen and bathrooms didn’t really bother me when we bought our home in the early 2000s, but 20 years later they are really starting to fall apart. I don’t think I’m being ridiculous by wanting to renovate. I mean, you renovated your first floor, so presumably you have a nice kitchen, etc.

OK. It’s just the way you phrased things made it sound cosmetic instead of functional.

Try living with 1980s bathrooms and kitchen and then you’ll realize it’s a functional need and not merely cosmetic.

My family room furniture was purchased in 2000. Anyone else have a sofa and coffee table from the year 2000? Ditto for my kitchen table.

Sorry, but I have to jump in here. My family home in Europe was built in the 18th century. I was put in an antique crib, and much of the fixtures and furniture are from the previous century or earlier. You'd probably die if you saw the kitchen: it's not pretty, but we make great meals in it (the 20th century kitchen, not the original kitchens which are in the basements and have huge fireplaces).

Here in the US I go to estate sales and purchase old, period-looking furniture, on purpose, because it looks well in my 1920s house. You should get a new sofa if it's been damaged over the years, but tables?!? Tables can last for years.

You seem to be under the delusion that these things are disposable. Only a very few people in this world just throw out their interiors every few years and buy new. The rest just replace pieces as they age and live with aging furniture and decor, because it's normal.

You are free to spend your money as you wish, OP. But for goodness sake stop thinking you are somehow owed new decor.

I've been following and this is what has been bothering me about OP's attitude. She comes across as she feels she is entitled to home renovations and new furniture just because things are old and/or falling apart. That is just not how it works. I honestly wish it did but that is not how life is. You either can afford things or you do without. This is such a basic tenet of life yet OP does not seem to understand. Her husband does not seem to think they can afford all she wants done. Because she comes across as, frankly, immature and entitled I find myself finding her husband's stance way more credible.

There is no need to live in a hovel simply because one person is a cheapskate or doesn’t think their partner’s wishes count for anything.

A "hovel"?!
The dramatic posters on this thread are the best!

[Anonymous]

Her DH probably doesn’t like both the lengthy disruption to his living space and the substantial cost of the renovation. Going for a trip only requires money and a few weeks of time off. He also probably knows OP will want to keep going with the furnishings, window coverings, etc., to coordinate with the interior and exterior update.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I would not expect to get a lot of return on 15 year old renovations

Selling a house 15 years from now with original 1980s everything or with 2023 updates are the options.

Which is better?

I think we will need to heavily discount a home with 1980s fixtures. I think we can rather easily maintain a renovated house (particularly since we no longer have very young children). And we could enjoy our home rather than be embarrassed by it.

You'd be a lot happier in life if you could let go of the shame and guilt, because I'm assuming you think that way for everything: cars, clothes, vacations, college, what people do for a living, etc. Insecurity is poisoning your life.

I empathize if you bought a house with fixtures you don't like, but come on. The immense majority of people in this world live in houses that are not catalog worthy! I live in a very old and tiny house in Bethesda: we could only afford to redo the ground floor. None of the upstairs doors can close, even the bathroom door. The bathroom window frame is falling apart. The floor is uneven. We have the same gutter problem and the garage is so dilapidated it's a miracle it's still standing.

And yet I love my house. I bought it because it had good bones and lots of light coming from all sides. We have a fun garden with plants we took some effort to find online.

You can all the renovations you want, but it's your mind you've got to fix. Don't be embarrassed by old, worn things. Find value in at least some of them. Don't waste your time thinking for one second what the neighbors think.

I hear ya, but you are wrong when it comes to me. I’m not insecure and I don’t try to keep up with the Joneses. As I said, we drive old cars. I still wear clothes I bought in college. I’m not materialistic at all.

The 1980s kitchen and bathrooms didn’t really bother me when we bought our home in the early 2000s, but 20 years later they are really starting to fall apart. I don’t think I’m being ridiculous by wanting to renovate. I mean, you renovated your first floor, so presumably you have a nice kitchen, etc.

OK. It’s just the way you phrased things made it sound cosmetic instead of functional.

Try living with 1980s bathrooms and kitchen and then you’ll realize it’s a functional need and not merely cosmetic.

My family room furniture was purchased in 2000. Anyone else have a sofa and coffee table from the year 2000? Ditto for my kitchen table.

Sorry, but I have to jump in here. My family home in Europe was built in the 18th century. I was put in an antique crib, and much of the fixtures and furniture are from the previous century or earlier. You'd probably die if you saw the kitchen: it's not pretty, but we make great meals in it (the 20th century kitchen, not the original kitchens which are in the basements and have huge fireplaces).

Here in the US I go to estate sales and purchase old, period-looking furniture, on purpose, because it looks well in my 1920s house. You should get a new sofa if it's been damaged over the years, but tables?!? Tables can last for years.

You seem to be under the delusion that these things are disposable. Only a very few people in this world just throw out their interiors every few years and buy new. The rest just replace pieces as they age and live with aging furniture and decor, because it's normal.

You are free to spend your money as you wish, OP. But for goodness sake stop thinking you are somehow owed new decor.

I've been following and this is what has been bothering me about OP's attitude. She comes across as she feels she is entitled to home renovations and new furniture just because things are old and/or falling apart. That is just not how it works. I honestly wish it did but that is not how life is. You either can afford things or you do without. This is such a basic tenet of life yet OP does not seem to understand. Her husband does not seem to think they can afford all she wants done. Because she comes across as, frankly, immature and entitled I find myself finding her husband's stance way more credible.

There is no need to live in a hovel simply because one person is a cheapskate or doesn’t think their partner’s wishes count for anything.

A "hovel"?!
The dramatic posters on this thread are the best!

What word would you use to describe warped gutters, peeling exterior paint, warped cabinets/nonfunctional drawers, broken/chipped floor tiles, lumpy torn sofas, chipped and wobbly tables, etc.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Personally I'd rather send the bank 200k and be rid of the mortgage forever than have a cosmetic updates and a huge HELOC.

There is no way I personally would take out a $200k HELOC at 2023 interest rates because of junky cabinets and a junky couch. I DIY’d gel finish on my cabinets and got the flooring and counters replaced, got a new vanity for my en suite bathroom a year later, got new bathroom floors the year after that… but a HELOC-funded reno? Not in this lifetime.

OP if you have an extra $1k/mo for this, spend it every 6 months on the most crucial projects. $6k at a time.

This is the way. Especially if you have four college tuitions to pay.

Do I keep my junky old dinette set with my new renovations? Yes, I do. And I am a woman, and I have a budget I have set by myself because my dh doesn't care.

We will have 3 college tuitions to pay (oldest will finish college soon, then we will have two more down the road…and we have money set aside to cover most of it already).

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I would not expect to get a lot of return on 15 year old renovations

Selling a house 15 years from now with original 1980s everything or with 2023 updates are the options.

Which is better?

I think we will need to heavily discount a home with 1980s fixtures. I think we can rather easily maintain a renovated house (particularly since we no longer have very young children). And we could enjoy our home rather than be embarrassed by it.

You'd be a lot happier in life if you could let go of the shame and guilt, because I'm assuming you think that way for everything: cars, clothes, vacations, college, what people do for a living, etc. Insecurity is poisoning your life.

I empathize if you bought a house with fixtures you don't like, but come on. The immense majority of people in this world live in houses that are not catalog worthy! I live in a very old and tiny house in Bethesda: we could only afford to redo the ground floor. None of the upstairs doors can close, even the bathroom door. The bathroom window frame is falling apart. The floor is uneven. We have the same gutter problem and the garage is so dilapidated it's a miracle it's still standing.

And yet I love my house. I bought it because it had good bones and lots of light coming from all sides. We have a fun garden with plants we took some effort to find online.

You can all the renovations you want, but it's your mind you've got to fix. Don't be embarrassed by old, worn things. Find value in at least some of them. Don't waste your time thinking for one second what the neighbors think.

I hear ya, but you are wrong when it comes to me. I’m not insecure and I don’t try to keep up with the Joneses. As I said, we drive old cars. I still wear clothes I bought in college. I’m not materialistic at all.

The 1980s kitchen and bathrooms didn’t really bother me when we bought our home in the early 2000s, but 20 years later they are really starting to fall apart. I don’t think I’m being ridiculous by wanting to renovate. I mean, you renovated your first floor, so presumably you have a nice kitchen, etc.

OK. It’s just the way you phrased things made it sound cosmetic instead of functional.

Try living with 1980s bathrooms and kitchen and then you’ll realize it’s a functional need and not merely cosmetic.

My family room furniture was purchased in 2000. Anyone else have a sofa and coffee table from the year 2000? Ditto for my kitchen table.

Sorry, but I have to jump in here. My family home in Europe was built in the 18th century. I was put in an antique crib, and much of the fixtures and furniture are from the previous century or earlier. You'd probably die if you saw the kitchen: it's not pretty, but we make great meals in it (the 20th century kitchen, not the original kitchens which are in the basements and have huge fireplaces).

Here in the US I go to estate sales and purchase old, period-looking furniture, on purpose, because it looks well in my 1920s house. You should get a new sofa if it's been damaged over the years, but tables?!? Tables can last for years.

You seem to be under the delusion that these things are disposable. Only a very few people in this world just throw out their interiors every few years and buy new. The rest just replace pieces as they age and live with aging furniture and decor, because it's normal.

You are free to spend your money as you wish, OP. But for goodness sake stop thinking you are somehow owed new decor.

I've been following and this is what has been bothering me about OP's attitude. She comes across as she feels she is entitled to home renovations and new furniture just because things are old and/or falling apart. That is just not how it works. I honestly wish it did but that is not how life is. You either can afford things or you do without. This is such a basic tenet of life yet OP does not seem to understand. Her husband does not seem to think they can afford all she wants done. Because she comes across as, frankly, immature and entitled I find myself finding her husband's stance way more credible.

There is no need to live in a hovel simply because one person is a cheapskate or doesn’t think their partner’s wishes count for anything.

A "hovel"?!
The dramatic posters on this thread are the best!

What word would you use to describe warped gutters, peeling exterior paint, warped cabinets/nonfunctional drawers, broken/chipped floor tiles, lumpy torn sofas, chipped and wobbly tables, etc.

A house that needs a handyperson.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I would not expect to get a lot of return on 15 year old renovations

Selling a house 15 years from now with original 1980s everything or with 2023 updates are the options.

Which is better?

I think we will need to heavily discount a home with 1980s fixtures. I think we can rather easily maintain a renovated house (particularly since we no longer have very young children). And we could enjoy our home rather than be embarrassed by it.

You'd be a lot happier in life if you could let go of the shame and guilt, because I'm assuming you think that way for everything: cars, clothes, vacations, college, what people do for a living, etc. Insecurity is poisoning your life.

I empathize if you bought a house with fixtures you don't like, but come on. The immense majority of people in this world live in houses that are not catalog worthy! I live in a very old and tiny house in Bethesda: we could only afford to redo the ground floor. None of the upstairs doors can close, even the bathroom door. The bathroom window frame is falling apart. The floor is uneven. We have the same gutter problem and the garage is so dilapidated it's a miracle it's still standing.

And yet I love my house. I bought it because it had good bones and lots of light coming from all sides. We have a fun garden with plants we took some effort to find online.

You can all the renovations you want, but it's your mind you've got to fix. Don't be embarrassed by old, worn things. Find value in at least some of them. Don't waste your time thinking for one second what the neighbors think.

I hear ya, but you are wrong when it comes to me. I’m not insecure and I don’t try to keep up with the Joneses. As I said, we drive old cars. I still wear clothes I bought in college. I’m not materialistic at all.

The 1980s kitchen and bathrooms didn’t really bother me when we bought our home in the early 2000s, but 20 years later they are really starting to fall apart. I don’t think I’m being ridiculous by wanting to renovate. I mean, you renovated your first floor, so presumably you have a nice kitchen, etc.

OK. It’s just the way you phrased things made it sound cosmetic instead of functional.

Try living with 1980s bathrooms and kitchen and then you’ll realize it’s a functional need and not merely cosmetic.

My family room furniture was purchased in 2000. Anyone else have a sofa and coffee table from the year 2000? Ditto for my kitchen table.

Sorry, but I have to jump in here. My family home in Europe was built in the 18th century. I was put in an antique crib, and much of the fixtures and furniture are from the previous century or earlier. You'd probably die if you saw the kitchen: it's not pretty, but we make great meals in it (the 20th century kitchen, not the original kitchens which are in the basements and have huge fireplaces).

Here in the US I go to estate sales and purchase old, period-looking furniture, on purpose, because it looks well in my 1920s house. You should get a new sofa if it's been damaged over the years, but tables?!? Tables can last for years.

You seem to be under the delusion that these things are disposable. Only a very few people in this world just throw out their interiors every few years and buy new. The rest just replace pieces as they age and live with aging furniture and decor, because it's normal.

You are free to spend your money as you wish, OP. But for goodness sake stop thinking you are somehow owed new decor.

I've been following and this is what has been bothering me about OP's attitude. She comes across as she feels she is entitled to home renovations and new furniture just because things are old and/or falling apart. That is just not how it works. I honestly wish it did but that is not how life is. You either can afford things or you do without. This is such a basic tenet of life yet OP does not seem to understand. Her husband does not seem to think they can afford all she wants done. Because she comes across as, frankly, immature and entitled I find myself finding her husband's stance way more credible.

There is no need to live in a hovel simply because one person is a cheapskate or doesn’t think their partner’s wishes count for anything.

A "hovel"?!
The dramatic posters on this thread are the best!

What word would you use to describe warped gutters, peeling exterior paint, warped cabinets/nonfunctional drawers, broken/chipped floor tiles, lumpy torn sofas, chipped and wobbly tables, etc.

Oh my goodness, broken/chipped floor tiles? The horror OP!

[Anonymous]

Stop traveling and use that cash to pay for these things incrementally. You should not be taking out a home equity loan. I would have a big problem with this if I was your spouse .

[Anonymous]

How about this OP:
Make a deal with your husband. Once the remaining $200K that you still owe on your mortgage is paid off you then get to do your renovations.
This shows good faith about compromising plus it would be significantly smarter to take out a home equity loan once you have paid off the home (and hopefully interest rates will be better by then).

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I would not expect to get a lot of return on 15 year old renovations

Selling a house 15 years from now with original 1980s everything or with 2023 updates are the options.

Which is better?

I think we will need to heavily discount a home with 1980s fixtures. I think we can rather easily maintain a renovated house (particularly since we no longer have very young children). And we could enjoy our home rather than be embarrassed by it.

You'd be a lot happier in life if you could let go of the shame and guilt, because I'm assuming you think that way for everything: cars, clothes, vacations, college, what people do for a living, etc. Insecurity is poisoning your life.

I empathize if you bought a house with fixtures you don't like, but come on. The immense majority of people in this world live in houses that are not catalog worthy! I live in a very old and tiny house in Bethesda: we could only afford to redo the ground floor. None of the upstairs doors can close, even the bathroom door. The bathroom window frame is falling apart. The floor is uneven. We have the same gutter problem and the garage is so dilapidated it's a miracle it's still standing.

And yet I love my house. I bought it because it had good bones and lots of light coming from all sides. We have a fun garden with plants we took some effort to find online.

You can all the renovations you want, but it's your mind you've got to fix. Don't be embarrassed by old, worn things. Find value in at least some of them. Don't waste your time thinking for one second what the neighbors think.

I hear ya, but you are wrong when it comes to me. I’m not insecure and I don’t try to keep up with the Joneses. As I said, we drive old cars. I still wear clothes I bought in college. I’m not materialistic at all.

The 1980s kitchen and bathrooms didn’t really bother me when we bought our home in the early 2000s, but 20 years later they are really starting to fall apart. I don’t think I’m being ridiculous by wanting to renovate. I mean, you renovated your first floor, so presumably you have a nice kitchen, etc.

OK. It’s just the way you phrased things made it sound cosmetic instead of functional.

Try living with 1980s bathrooms and kitchen and then you’ll realize it’s a functional need and not merely cosmetic.

My family room furniture was purchased in 2000. Anyone else have a sofa and coffee table from the year 2000? Ditto for my kitchen table.

Sorry, but I have to jump in here. My family home in Europe was built in the 18th century. I was put in an antique crib, and much of the fixtures and furniture are from the previous century or earlier. You'd probably die if you saw the kitchen: it's not pretty, but we make great meals in it (the 20th century kitchen, not the original kitchens which are in the basements and have huge fireplaces).

Here in the US I go to estate sales and purchase old, period-looking furniture, on purpose, because it looks well in my 1920s house. You should get a new sofa if it's been damaged over the years, but tables?!? Tables can last for years.

You seem to be under the delusion that these things are disposable. Only a very few people in this world just throw out their interiors every few years and buy new. The rest just replace pieces as they age and live with aging furniture and decor, because it's normal.

You are free to spend your money as you wish, OP. But for goodness sake stop thinking you are somehow owed new decor.

Maybe few people in the world renovate their house, but we are talking about the US, the UMC people in the DC area.
UMC homeowners in the DC area renovate their home. You look at many homes built in the 70s and 80s and it’s amazing how they look. You see these homes owned by UMC people on the market and and you are amazed by how well they have been taken care of.

OP is not wanting to do something that is unusual, and her family can definitely afford it.

PP you replied. I'm not giving you an argument for the DCUM bubble, PP, although I have to quibble about the "new=better" notion you're selling here But OP gives the impression she's the only one with broken tiles and decades-old furnishings, which is so, so, not true.

She has to find a way to compromise with her husband. We all have to do that, right? It's life as a couple.

[Anonymous]

I feel so bad for OP’s husband, trying to negotiate with someone who is so histrionic + irrational.

[Anonymous]

My neighbors waited until their three kids all graduated from college before embarking on a similiar renovation of their 1980s home. They were able to rent and put everything into storage so it could be done without disrupting their daily life.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I would not expect to get a lot of return on 15 year old renovations

Selling a house 15 years from now with original 1980s everything or with 2023 updates are the options.

Which is better?

I think we will need to heavily discount a home with 1980s fixtures. I think we can rather easily maintain a renovated house (particularly since we no longer have very young children). And we could enjoy our home rather than be embarrassed by it.

You'd be a lot happier in life if you could let go of the shame and guilt, because I'm assuming you think that way for everything: cars, clothes, vacations, college, what people do for a living, etc. Insecurity is poisoning your life.

I empathize if you bought a house with fixtures you don't like, but come on. The immense majority of people in this world live in houses that are not catalog worthy! I live in a very old and tiny house in Bethesda: we could only afford to redo the ground floor. None of the upstairs doors can close, even the bathroom door. The bathroom window frame is falling apart. The floor is uneven. We have the same gutter problem and the garage is so dilapidated it's a miracle it's still standing.

And yet I love my house. I bought it because it had good bones and lots of light coming from all sides. We have a fun garden with plants we took some effort to find online.

You can all the renovations you want, but it's your mind you've got to fix. Don't be embarrassed by old, worn things. Find value in at least some of them. Don't waste your time thinking for one second what the neighbors think.

I hear ya, but you are wrong when it comes to me. I’m not insecure and I don’t try to keep up with the Joneses. As I said, we drive old cars. I still wear clothes I bought in college. I’m not materialistic at all.

The 1980s kitchen and bathrooms didn’t really bother me when we bought our home in the early 2000s, but 20 years later they are really starting to fall apart. I don’t think I’m being ridiculous by wanting to renovate. I mean, you renovated your first floor, so presumably you have a nice kitchen, etc.

OK. It’s just the way you phrased things made it sound cosmetic instead of functional.

Try living with 1980s bathrooms and kitchen and then you’ll realize it’s a functional need and not merely cosmetic.

My family room furniture was purchased in 2000. Anyone else have a sofa and coffee table from the year 2000? Ditto for my kitchen table.

Sorry, but I have to jump in here. My family home in Europe was built in the 18th century. I was put in an antique crib, and much of the fixtures and furniture are from the previous century or earlier. You'd probably die if you saw the kitchen: it's not pretty, but we make great meals in it (the 20th century kitchen, not the original kitchens which are in the basements and have huge fireplaces).

Here in the US I go to estate sales and purchase old, period-looking furniture, on purpose, because it looks well in my 1920s house. You should get a new sofa if it's been damaged over the years, but tables?!? Tables can last for years.

You seem to be under the delusion that these things are disposable. Only a very few people in this world just throw out their interiors every few years and buy new. The rest just replace pieces as they age and live with aging furniture and decor, because it's normal.

You are free to spend your money as you wish, OP. But for goodness sake stop thinking you are somehow owed new decor.

I've been following and this is what has been bothering me about OP's attitude. She comes across as she feels she is entitled to home renovations and new furniture just because things are old and/or falling apart. That is just not how it works. I honestly wish it did but that is not how life is. You either can afford things or you do without. This is such a basic tenet of life yet OP does not seem to understand. Her husband does not seem to think they can afford all she wants done. Because she comes across as, frankly, immature and entitled I find myself finding her husband's stance way more credible.

Yes when things fall apart they must be renovated. After 20+ years, it is perfectly normal that things have degraded and need to be renovated. The only question is: can you afford the renovations. If you can’t, this is ok, you continue to life in the crappy place until you can afford to renovate it. If you can afford it, you renovate and enjoy your place.
You are all wrong to tell OP that she acts entitled because she wants to renovate her place.
The discussion should be about affordability, can she afford it. The answer is a clear: Yes she can. She isn’t poor.

No, she is not poor but unless she starts communicating with her husband - not whining - she could be divorced.
PP is right, this is not a question of whether OP can afford it or deserves it or not. This is not a financial issue. It is a relationship issue and OP bullying her husband to do something he is not comfortable doing is a recipe for problems.
Take some of the money you have OP and invest in your marriage: couples counseling to work through the different approaches to finances that you and your husband have. Think of the counselor as more a moderator.

Lol

Our marriage is fine. We’ve been together since we were teens. We don’t fight. I don’t whine in an attempt to get my way. We certainly don’t need therapy.

He was against “costly” travel until I just started booking trips, and now he’s on board.

A kitchen, etc renovation isn’t something I can just do without his support.

I guess I misjudged Dcumlandia. I assumed someone must have a cheap, risk averse partner who needed coaxing to open up the wallet. Guess I was wrong. Apparently everyone is either rich enough that nobody worries, or everyone is living with 1980s homes that will never be renovated.

I’m more convinced than ever that I need to get rolling on updates so we can enjoy our home and protect its value before it’s too late.

Thank you for weighing in…even the critics.

Most people are paying cash OP, or tapped their equity when interest rates were low. This is not a smart financial move for you, but you don’t care.

[Anonymous]

Anonymous wrote:I feel so bad for OP’s husband, trying to negotiate with someone who is so histrionic + irrational.

She says there is no room to cut back due to their frugal (albeit with travel) lifestyle. It would have to come from a home equity loan since they can’t afford it otherwise. Those old cars are going to need to be replaced sooner than later. How old is the water heater and hvac?

[Anonymous]

OP, I understand wanting to update. We lived with a 1973 kitchen and bath until last year. It was to the point where you couldn't walk in the bathroom barefoot or tiles would stick to your feet and we were missing hunks of grout. When DS splashed around in the tub I worried about water damage to the sub floor (and I was right when we finally tore it up). Our furniture was all free craigslist stuff we had gotten when we first got married right out of college. It had weathered the storms of a baby and dogs and 22 year old young people parties. (Surprisingly still functional though! Even though it was Ashley brand!)

I wouldn't take out a HELOC though. Not at today's rates. (I wouldn't be against it if rates were still 2.xx%, butttt...they definitely aren't). It sounds like you have extra money in the budget, so just start squirreling it aside. Get quotes so you know what you're looking for, stash any bonuses in the "renovations" fund, redirect your vacation budget to the contractor fund, and when the bank account is close to the quote you can sign contracts.

And prioritize! Make compromises in places that are less critical, let some things from your list go. Focus on the biggest difference maker. Maybe it's a new sofa and the kitchen. Great! Start there.

Don't try to spin it as financially savvy though. Renovations are never a financially smart decision, but they can improve your quality of life.

And respect that your husband's point of view isn't wrong, just different. Some people don't find joy/comfort in having nice things or an updated house, and that's okay. You obviously do--that's okay too, but it's not okay to spend big money in a relationship without your partner's consent.

[Anonymous]

OP, why are you in such a rush to replace literally everything all of a sudden? And why haven't you saved for this purpose? The need for home maintenance is at least sort of predictable, and you can't be really that surprised that your furniture has aged. I don't get it. And it seems like your DH also does not get it.

When you prioritized travel, you set yourself up for this exact situation, and you need to own that responsibility.