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[quote=Anonymous][quote=Anonymous]OP is only answering questions that are favorable to her argument.  I doubt that she will tell us her true budget or other specifics.  She either doesn't know them or she doesn't want to swing the anonymous vote towards her husbands side.  Typical DCUMish stuff.[/quote]

OP here. I'm not at all adverse to answering questions! I frankly don't know our budget. We probably live close to paycheck to paycheck, putting $ away for real estate taxes (@ $8k a year), etc. We own our cars.

We have sizable savings and investments (i didnt include amounts in our annual income) which are part of our inheritance, but DH doesn't want to use them for the renos. He wants to save up an additional amout for them.  He wants to keep the rainy day fund in tact, which I am fine with. What I don't want to do is wait many years until we've "saved up" for the renos when we could do them now under a low interest loan.

If he were to lose his job, we would likely sell the house and move elsewhere and I would work.

The improvements aren't life and death. I'm just tired of looking at my cramped 1980 kitchen and old appliances.  We have a weird indent in our kitchen and if we bumped it out to meet the rest of the house, we would nearly double the size.

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