Reply to How to convince spouse home renovations make financial sense

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[quote=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.[/quote]

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