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Reply to "I need about $20k to get us through a layoff-home equity loan?"
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[quote=Anonymous][quote=Anonymous]In these cases "unexpected home expenses" = major fancy home reno they couldn't actually afford. Also explains the "appreciation". How do you spend $15-20K per month and have NO emergency fund? That's just patently irresponsible and idiotic. I bet we make less than you do and could live for a year on no income without changing much and closer to 2 in "bare bones" mode. [/quote] DP. How do you know that? Our boiler broke in the dead of winter two years ago (I had a newborn too) and it was 16k to replace it. Our basement flooded in several storms. Thousands of dollars for mitigation. Roofs leak and need repair. Owning a home, especially an old one, is a money pit. A sewer pipe under an 100 year old house can be crushed and need to be replaced. 20k for that. Mold can grow in a wall. Most of this is covered by insurance. My husband and I were so upset when our boiler broke and we’re talking about how people get by with this insanity. [/quote]
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