I'm going by google + the next door neighbor just replaced his same kind for $3K. Anyway, we'll get estimates and all that sort of thing. I wouldn't be adding renovation costs to the loan. Basically, I will not be increasing the amount I'm borrowing. It's such a shell game.
Captain was looking for a pilot. I found a husband. Seemed to work out.
Zoe ,'Bushwhacked'
Natter 63: Life after PuppyCam
Off-topic discussion. Wanna talk about corsets, duct tape, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
sarameg - Mar 21, 2009 2:06:07 pm PDT #11695 of 30000
Typo Boy - Mar 21, 2009 2:59:02 pm PDT #11696 of 30000
Calli: My people have a saying. A man who trusts can never be betrayed, only mistaken.Avon: Life expectancy among your people must be extremely short.
So you are going to pay for rennovations with cash? Adding cost of rennovations to a loan is not a shell game if the money really goes into the rennovations. Legit reason for borrowing. You get the benefit over however long the renovations last, so no reason it should be paid for out of savings or current expenses. It is a capital expense.
sarameg - Mar 21, 2009 3:40:08 pm PDT #11697 of 30000
I know what I am comfortable with in terms of monthly outlay versus dipping out of savings in hand (while still able to keep saving) for the short term. It may not be the most money saving in the long term, but in the short term, I'm my only backup and wage-earner, so I kinda need me to keep my sanity.
sarameg - Mar 21, 2009 3:44:29 pm PDT #11698 of 30000
And now I have the inspection report and am daunted all over again. Laying it all out to the parents made it feel doable and then seeing three hours ( and 43 pages) of ALL WRONG DEFECTIVE is overwhelming. Fun.
Juliebird - Mar 21, 2009 3:43:46 pm PDT #11699 of 30000
I am the fly who dreams of the spider
*lives vicariously through people who actually have a savings account*
Connie Neil - Mar 21, 2009 3:45:43 pm PDT #11700 of 30000
brillig
I'm feeling all kinds of virtuous for having $250 in my savings account.
sarameg - Mar 21, 2009 3:46:10 pm PDT #11701 of 30000
Hey, you can help me spend my money, vicariously!
It's just what I deserve for liking a 78 year old house in an old city.
sarameg - Mar 21, 2009 3:52:36 pm PDT #11702 of 30000
I should add: 43 pages with only pictures of everything that's WRONG. None of the stuff in good shape. It's like an official downer doc!
Jesse - Mar 21, 2009 4:08:48 pm PDT #11703 of 30000
Sometimes I trip on how happy we could be.
We had a presentation at work on Friday from the 401K rep. She said something about having 8 months of expenses in savings, and basically everyone in the room started laughing.
Juliebird - Mar 21, 2009 4:16:20 pm PDT #11704 of 30000
I am the fly who dreams of the spider
Shit, I kept being told that my rent shouldn't be more than 30, 40% tops of my monthly paycheck, and everything I find is for the most part 60-70% of what I make a month. "Section 8 welcome". Um... if I don't qualify for S8, how could a S8 person afford such a place, beyond squashing ten other people into the one bedroom apartment?
Looked at a place today, smaller rooms but a garage (damp) that is shared with a neighbor (so I couldn't just jam shit in their and consider it secure) and pet deposits and montly fees. Not cheaper than where I'm living now. Went one exit up to a miraculous $800/month all utilities included, on a lake. Turns out it's the size of a one car garage.
Good thing about retired parents: Mum's coming down this week to look for apartments for me. Because at this rate and the distances I have to travel, it's two shitty places a day, and I can't look everyday.
sarameg, can I vicariously spend money on a hot tub?