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[quote=Anonymous]OP here.  I really am touched by the empathy and suggestions offered on this thread.  Thank you all so much.

To the PP who talked about shopping around for a refi:  that may be a good idea for us.  When we refinanced with no costs it was also through Wells Fargo.  The rates went down after we started the process and we asked them if they would lower the rate.  They said no and we took that as a final answer.  It probably would have been better to be more aggressive about it.  I'll check the rates again and see if I can find another no closing cost deal.  Every little bit would help.

To all the PPs who posted about their past experience.  It really helps to hear your stories from more years down the line and makes me feel better that maybe, just maybe, we didn't make a huge mistake.  And, yes, beans and spaghetti are not a bad idea!

To the new home buyer:  I worry that your 2-3K a year does not leave enough for house repairs and maintenance.

As for DYI, we are both pretty much awful on handyness, except that DH has come a long way.  Maybe I should try, though.  I agree with you that labor is such a huge component of the price of all these jobs.  Also, it is so hard to find service providers you can trust.

Again, thank you.  I thought I would get blamed and criticized here but all I have gotten was kindness and ideas.[/quote]

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