Reply to Really struggling with whether to take out loan for home improvement

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[quote=Anonymous][quote=Anonymous]Is everything functional? If not I would start with repairs to whatever isn't first. I think it would make more sense to do this in stages (even if you get a HELOC for $150,000). Start with the kitchen since that is well defined (I don't know about you but I really get a lot of utility from having a finished kitchen). Then I would do the walls and lastly the bathrooms (all at the same time if you can).You could spread this out over three years (give yourself a year to save first). That way as you live in the house you'll have a better idea of what it is you want to do. You really don't want to do renovations and then regret the renovations![/quote]
I totally agree with this and that had been our plan. We are getting overwhelmed with how interwoven everything seems. We don't want to do any work that precludes or makes more expensive future work. Does that make sense? But I am still leaning towards this kind of plan. If we do the kitchen now, maybe we would just plumb for the upstairs bathroom (plumbing would come up through the kitchen) without finishing it? I don't know. This is hard![/quote]

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