Reply to how do you pay for house projects (big ones)?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Most people I talk to do a HELOC or cash out refi. And these are UMC people.

And that's the reason I'll never get a fancy remodel. DH refuses to borrow the money, yet he plows all our excess cash into retirement. He says I'll thank him one day and he's right but in the meantime I have old ugly kitchen and baths while everyone around me is renovating away. Sigh. [/quote]

This is the exact same thing I am going through with my DH. Ugh![/quote]

Think about how glad you will be to retire a bit earlier than your friends who will have to work longer/more to pay off debt. This happens just at the point when you can’t take your health and energy for granted in your 50s and 60s and are also hit with tuition bills. And menopause. Believe me, your husband is right. [/quote]

You think people in this area are significantly delaying retirement because they updated their kitchens? Why are you not factoring updating your home and its maintenance with your home purchase? Why would you willingly live in a home that makes you unhappy for 30 years if you didn't have to?[/quote]

+1  It sounds like the PP you're responding to is being penny wise and pound foolish.  After all, the kitchen will need to be renovated before selling.  Why would you do something for a new buyer that you won't do for yourself.  Life is too short.  Live in a way that is comfortable for you.  And it is crazy that the PP thinks that people in their 50s and 60s don't have the "health and energy" and "menopause" and "tuition bills" to deal with a reno.  Sheesh.[/quote]

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