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Reply to "how do most people pay for a renovation?"
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[quote=Anonymous]HELOC for 70K, plus 0% balance transfer, 35K for 18 mo from Discover (on a no fee special offer). We pay the credit card a fixed monthly amount so it will be paid off before the rate expires. We have the income but not the lump sum savings and opted not to wait, and don’t have enough equity to pay for it all with HELOC. We also have 25K in short term savings accessible in case costs go over, to me it made more sense to use HELOC first and keep the savings available. Balance transfer option works for us because we can pay it off in time, this is how we buy our cars too.[/quote]
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