Reply to How to convince spouse home renovations make financial sense

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]How much will the monthly payment on the HELOC be? You say you don’t have much wiggle room to cut back so I’m wondering how you plan to finance the new debt. [/quote]

HHI in low $300s with a $1700 mortgage payment currently. We save plenty each month (bc we don’t have car payments, cleaning service, landscapers, etc.). Plenty goes into retirement and college savings/tuition. Both of us have pensions.

I think my spouse is being too conservative. [/quote]

You have money but you are living in a crappy home because you want to save money? Saving for what? Retirement? 
Ok, it’s when you retire that you are going to move to a better house? Maybe that’s your spouse’s plan?
Tell your spouse that you don’t want to live a miserable life now. Tell your spouse that the kids also deserve to live in an enjoyable life in a decent house in their childhood. [/quote]

That’s what I’m struggling to do. They aren’t listening.

I didn’t marry a risk-taker.

Since I’m not convinced I’ll make to my late 70s or 80s, I’m even more inclined to invest in our happiness now. [/quote]

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