Sent $100 to the Roth. I also submitted my taxes finally and both federal and state were accepted. I will be getting $455 back which I will send to the Roth.
Besides that, all the puppies are sold but some are staying here longer for training so I get a few more snuggles in. Vacation fund is almost done.
Goats will start leaving soon and I will be able to contribute to my animal fund.
My web design has picked up and is overwhelming. I took off from my "real job" today so I could stay home and work on it. Because doing web design I make 2 - 3 times MORE an hour. I think I am going to ask about permanently going down one less day at my secretary job. I really can't afford not to.
Sent $100 to the Roth. I also submitted my taxes finally and both federal and state were accepted. I will be getting $455 back which I will send to the Roth.
I sent $100 to the IRA today. Double my normal amount. Want to get that done ASAP so I don't have to think about it anymore.
Remodel is going... Exterior on current home is just about finished. It's so nice to have all new windows, front porch, front door, siding, etc. 100% improvement.
Bad news is we are projected to currently be about $10,000 over budget. So that is a downer. But we had several issues pop up, and also added several things so not really unexpected.
We are going to push ahead with the addition. Money will have to be made up by choosing cheaper finishes, working more, and/or perhaps cutting out replacing the duct work for now. ($8k)
I have received deposits for all the puppies and they have started going to their new homes. :'(
Weekly $50 contribution to Roth today.
I have purchased our plane tickets for our May vacation. My husband changed his mind last minute about flying or driving back home, so I had to buy an extra ticket I didn't plan on. Also the ticket price was $60 more than I had planned. Boo.
So far we have spent $860 on plane tickets. Ugh. But better than riding in a crowded 15 passenger van with a bunch of children for four days. We will be flying and meeting his family down there, and also flying home. Flying saves us the cost of 2 hotel rooms, and we get to take one less day off work (and have an extra vacation day). So really the cost of the tickets are greatly offset, and much more comfortable for traveling. Well worth it, especially since I get high car anxiety.
So since the beginning I have kept part of my emergency fund in my Roth IRA since we get the savers tax credit for contributing. On my sidebar I had been listing that money under EF instead of Roth, but as our numbers grow it is getting complicated to keep track of how much is for the EF and how much is not. So in order to simplify I am changing it. Everything in the Roth is now correctly listed under Roth, and the EF total is the only cash we carry in our checking/saving accounts. That said, if we really did have an emergency we could still pull from our Roth, but it is silly to not put the majority of our savings in there to get the tax advantages. We do also keep quite a bit of cash for other random short term savings which I do not keep track of on my sidebar that we could definitely use in an emergency as well.
For more info on why I put part of my EF in my Roth here is a good link.
Roth IRA as an Emergency Fund
A goal that I don't see happening this year is the truck fund. We used $1,000 of it for a down payment on our remodel. We had originally planned to take that out of the loan and put the cash back, but it seems silly to be paying 6% interest just to have the cash sitting in a savings account. Husband is also wanting to focus on the remodel and has not been contributing faithfully to the truck fund this year. He says he can get a couple more years out of his car. So, we will continue to contribute to the fund, but it is on the back burner for now. No way it will get to $3,000 this year. We would like to have enough in there so that if something did happen to our of our cars we could afford to pay cash for a beater at least.
Home remodel is going well but money is getting spent quickly. We are up to around $11,000 already. It is so nice to see things getting done on the house though. Especially long lasting changes like siding and foundation repair.
With my payday today I sent $80 to the IRA. I will be getting an "extra" paycheck next month and will have $450 to put towards something. Perhaps the IRA.
Puppies are getting their shots this week, and will be ready to go to their new homes in just 2 weeks. :'(
My goats will start having babies this week!
Today is husband's payday so I went ahead and paid the mortgage payment and the LOC interest even though they aren't due for two weeks.
Mortgage is now at $45,499.86.
Well we are in the home remodel. It's going well, although it is really hard to write such large checks.
It's going a little slower than I expected, and I am worried about them needing more time/labor than allotted. Of course we are only on day 4 of a 10 week remodel. lol. So it's too early to tell if we are on track and on budget.
Money is/will be tight for a while. Things like lights, paint, etc, are being cash flowed. I am super excited to see my house looking better every day, and we have only just begun. Right now they are working on the front of the house, which included foundation repair, redoing the porch, new door, two new windows, and siding. This is the most complicated side, and I think the others will go faster.
After the exterior is complete, then they will start work on the actual addition/basement.
Got the money owed to me so I sent $170 to my IRA. Yippe!
Also, good news on the gym front. My mom is going to share a family plan with me and my husband so we can split the cost. She gets a discount through her job, also the owner gave me a discount because he knows/likes me.
All said my husband and I only have to pay $15 a month for BOTH of us. The normal price is $35 a person!!
The only downside is we had to pay for the whole year at once. But now it's paid for and over with and we can work out and get healthy. Yay!
I need to deposit $650 more into the IRA before April 15th so I can count it on 2016 taxes. I was going to just save it up and send it in one large chunk. But with the remodel happening, I think it would be safer and less stressful to just sent a small amount every paycheck. There are ten weeks left, so if I do $50 a week that will almost get me there. I also have $150 of side income that is owed to me and should be paid in the next week or so. That will make up the difference. I went ahead and sent $50 today.
Got a $105 bonus this month for having happy customers. (BTW my web design boss is awesome and really encourages me/spoils me.) I used that along with my normal web design check to pay off one of my credit cards. Now I just have the $500 from the door left.
Siding and windows have been ordered, roofing will be ordered later this week. I talked to the crew and they are going to be starting in earnest on Monday. They got held up at their current job.
I am beginning to get deposits for the puppies despite me wanting to wait until they were 6 weeks old. They are only 4 weeks now, but people keep bugging me to pick theirs. As of now 5 out of 7 are on lock down. Have several interested people in the remaining 2 but not settled yet. (Not bad for not advertising any yet! These people all found me.)
I went ahead and made my mortgage payment today a little early. Balance is now $45,693.06.
I am anxiously awaiting to hear how much the windows and siding are going to cost to know how close we are on budget.
I'm thankful that I ordered the door and handle and can cash flow that expense.
My HVAC estimate came back... $8,200. Eek! But spot on with the rough estimate he gave me a few years ago. That includes a new furnace, AC, and all new duct work. It's a huge job. He said if everything goes smoothly that the labor might go down because he planned worst case scenario, but I'm not going to bet on it. Our house is always worst case scenario on every single thing.
But oh how nice it will be to not worry about pipes freezing, having to run multiple oil heaters 24/7 to keep the house warm, and to have AC.
I'm sending $500 to my IRA today!! Whoot!
Also paying $500 for 6 months of car insurance. Glad to have two bigger things taken care of.
Purchasing our front door today. Exciting!
I worked a lot this month, so I am hoping for a bigger check in the next week or two.
Good thing, because the dumb dog jumped up and busted one of our windows out on accident. Of course it was one of the few windows we were NOT going to replace. It was very fragile old glass and when her paw put pressure on it she punched right through. Thankfully she just got a small cut and is fine, so it could have been a lot worse.
Somebody dumped another stray cat off at our house. ARG. I'm hoping it will go to a neighbors, otherwise I'll have to find it a home or be stuck with it.
Sweet little puppy did not make it. :'( She fought hard for 6 days, but in the end I think her injuries got the best of her. Despite her beginning to perk up, she started coughing blood and died within a day. Her punctured lung must have been too severe. Husband and I tearfully buried her last night.
I am horribly sad, but I know I did everything I could, and I am glad she is no longer suffering.
On to financial news:
I have all my W2's back and am ready to submit my taxes after double checking them again. I'm getting back $500.
Also, our loan was APPROVED! Our siding and windows are being ordered today, and there should be some actual construction going on within 2 weeks. I am super nervous about staying in budget. Additional things have already come up that need to be done such as a new front door... No extras unless we can pay cash! So let the scrimping begin.
Construction guys are very nice and are going to let us help with as much as we can to cut down on labor. I'll be shopping around for the best deals asap. We've already picked out our flooring (which is a bit of a splurge, but we are going to install ourselves) Saturday, we are going to go look at some home stores and window shop for tile, fixtures, lighting, etc. Just to start narrowing down prices. We are making a list of everything we need to save for, since we are trying to keep all finishes off the loan.
Guys I am so heartbroken. Late Wednesday night my favorite puppy started randomly squealing like someone was hurting it. Odd. But it was still eating and walking around.
First thing Thursday morning it's breathing was changed, and it was crying more often like it was in pain. I rushed it to the vet and he said it appears either the mom accidentally stepped on it, or it got squished under it's big siblings. :'( Broken ribs, possibly punctured lung, internal bleeding. He said it felt "squishy" inside. He gave her some pain meds, and antibiotics and sent me on my way with a good luck, but probably not going to make it.
She has no appetite, and no such reflex at all. So I have to dropper milk in every 3 hours around the clock. Poor thing just lets most of it dribble out though so she is skin and bones.
Every night I was sure she would pass, but I am surprised to see her still alive today. 5 days later! Last night she was so weak that I sat and cried over her for an hour and kissed her goodbye. But this morning she is actually slightly stronger.
She has stopped crying, and her breathing has improved. So I think we are past the danger zone with her injuries. But now I worry about aspiration, and starvation. If she doesn't start eating soon there is no way she can keep going on. I seen her rooting around mom this morning for the first time, of course if you stick a teat in her mouth she just sits there, but at least it's some progress.
I'm waiting on a call back from the vet to see if there is anything else he is willing to do, or if there is anything he can give her to help with appetite. I feel powerless and desperate. But I am doing all I can. I am so exhausted from feeding 24/7 that I actually fell asleep this morning after feeding at 7 and slept until 10. I never sleep that late!
So I would appreciate prayers for her, she is a fighter, but it's an uphill battle.
Here are a couple pictures of the puppies. They are so precious!
Half of them are for sure sold already. Have a few other people interested as well. Not bad considering I haven't even advertised them yet. lol. Any profit is earmarked for our vacation.
Waiting on a call back to set up the date/time for our appraisal. I'm nervous it won't come back high enough, so fingers crossed!
I have 2/4 of my W2s back. Tentatively it looks like I will be getting $500 - $1k back. Plus get to keep the $500 I had set back from my self employment. What a relief, since I had no idea how much I was going to owe. Most likely whatever I get to keep/get back will be going into the IRA.
Well no more progress has been made on the house. It was 3 degrees last week, and now all this week it's flat line winds and raining. Yay.
We are going to try to clean out some room in the shed tonight so we can continue sanding and painting our bathroom trim. Got to hurry before the appraisal.
I put the last $150 in my animal fund so I can purchase the rest of my winter hay. No more worrying about that fund until I start selling kids again.
Also, we have puppies!! 8 adorable, fat, squeaking puppies.
Mortgage is now $45,848.29!
We got our bathroom repainted this weekend, so all we have left to do is patch the drywall, finish trim, and paint the door. We couldn't do these projects because of rain.
Builders are saying last week of January or first week of February for starting the remodel. Huzzah!
We've picked out our siding and windows. Things are rolling!
Besides our already crazy remodel in 2017 there is something else happening in 2017 that I haven't shared.
Most likely in the fall I will be undergoing a new and innovative surgery for a possible cure for my very rare lung disease. They only started preforming these in the last year or so, and there is only one hospital and one doctor in the US which performs them. So we will have to travel to the east coast for a week.
Honestly I don't want to get my hopes up that it will even work. But my husband is absolutely ecstatic that I have agreed to go. I've lived with my issues for half my life so I can't even remember what it is like to feel normal anymore. But I know I worry my husband a lot. Poor guy gave himself an ulcer this summer when I had a bad coughing fit and nearly suffocated. He was more scared than I was.
Also, with my condition having children is not a super safe idea since none of my medicines are allowed to be taken while pregnant or nursing. So it's better to get this fixed if I can now, so we can start a family eventually.
My mother has graciously put back a lot of money in her flex spending account, and I won't have any medical bills.
There are still a lot of details to be worked out, but we've been in contact with the doctor. Insurance can take up to 10 weeks to okay the surgery, and then we will have to pick a date, etc.
I really didn't want to be the guinea pig, and I am super anxious about hospitals and needles. So keep me in your thoughts. 2017 is going to be a crazy year, but everything works out it could be life changing!
I've mostly decided on my new goals for 2017.
1.) Stay Below $105k Home Budget
2.) $1,500 for May Vacation
3.) $3,000 in Animal Fund
4.) $9,000 in Roth
5.) $3,000 in Truck Fund
My main goal for 2017 is completing a home addition, and substantial work on the existing house. We are going to cash flow as much as we can as we go along. This is so variable, but in the end I don't want more than $105k in total debt. With our current mortgage and LOC we owe $51,000. So that means we can only add up to $54,000. The rest will have to be delayed or paid for with cash.
I am going on vacation/business trip in May. I'm estimating to need around $1,500 for this. I already have $400. So it's a start.
The other 3 goals are recurring from previous years. I want to continue to add to our IRAs, animal fund, and truck fund. With the animal fund being the only need.
Christmas was great. Spent time with family, and I got practical gifts such as a nail gun and a vacuum I don't think anyone has every been as excited as me to receive a vacuum. I was nearly dancing with glee as I sucked every piece of furniture and every nook and cranny.
Unfortunately I was not able to complete my goals for 2016. But I am confident that I will have the money for the Roth by the April deadline.
I should have my credit cards from Christmas paid in full by next week. And I can't foresee any other expenses popping up. So that's good news!
I am unsure what goals I should set for 2017. Everything is so much up in the air. I am turning the loan application in for our home addition this afternoon, and then there is no going back. Every extra dollar will spent cash flowing remodel expenses in 2017.
We spent our weekend doing some much needed odd jobs on our house to get ready for the upcoming appraisal. This weekend husband will have 3 1/2 days off again, so hopefully we will get everything finished. It's nice seeing our projects come to a close... just in time to start more projects.
I have really been trying to lose some weight. The problem is, I love to eat. So I can't just eat salad daily like my husband does. My best friend has moved back to the area, and she goes to the gym daily. So I've been tagging along with her for a couple weeks. I am only able to go 2 - 3 times a week, on my work from home days, and on the weekends. Since I have to go at the same time as her so she can let me in, and she goes during the day when I am working.
I am actually really enjoying it! I feel stronger, and not so lazy. But I am beginning to feel guilty sneaking in the gym without paying, especially since I know the owner. I wanted to try it out for a couple weeks to make sure I would even stick with it though before spending a bunch of money.
Anyway, I feel like I need to purchase a membership or quit going. But a membership is $25 a month. :/ I don't know if I can justify the cost, on what I see as a non essential expense...
My mom is also wanting to work out, so she said she would get a membership too so we could go together. Since I know the owner I am going to see if there is any discount he would give me. Occasionally they run specials.
What do you guys think? Is $25 worth better health? Or would I be better off saving that money?
Husband got his bonus. $750 which is down from $800 last year. Bummer since the company made 20 MILLION more this year. Oh well, we are thankful for any extra money!
I sent $350 to the Roth IRA. First time I've been able to add to that in a long time. The other $400 husband wants to save for vacation. We will be going to Disney world in in the spring, and are estimating needing $1,500. I'm really hoping to get some taxes back this year and we can use part of our return for this. The rest will most likely go towards the IRAs.
Still working on paying off Christmas and other miscellaneous expenses. With the Christmas season and lots of sales, I've done really bad at splurging on multiple smaller expenses. Oh $20 here, $15 there, $20 here... It adds up!
Mortgage is down to $46,010.56! Every little bit that comes off is less we will owe when we refinance.
Remodel contract has been signed and $2,500 deposit has been paid!! This is really happening, guys!! We are expecting to start in two months, so that will give us a little time to work on saving/paying down debt.
I need to come up with $200 more to finish off the animal expenses until spring. First kids will arrive in a week. I'm so excited.
Husband should be getting his yearly bonus soon. We haven't decided what we are going to use it for yet, but most likely will put some in the IRA and the car fund. Husband's car is still chugging along right now, but we'd like to have enough money put back that he could purchase a decent car without needing to take out a loan in the future.
Everything is hitting me all at once.
My credit card has a lot of pending charges on it. Ugh. Nearly $1,000 on there once everything posts.
This includes recent vet bills, Christmas shopping, some utility bills, and necessary home/clothing items. Such as a new pair of coveralls since mine's zipper broke, and a new bathroom vent light since ours went out and we are getting too much condensation in there without it.
My Christmas shopping is all complete except for one small item. So I'm glad that it's all done, and now I can just work on paying everything off.
We are signing the remodel contract this week sometime. Scary and exciting.
My goats will start kidding in two weeks! I am so looking forward to that money coming in. Fingers crossed for lots of babies.
I would like to have some input on our budget after considering my raise in January and our new house payment. Just want to make sure we can afford this.
Note: For the first 3 years our house payment will only be $730 and then go up to around $850. (tax exemption) But I would like to figure on the full amount.
$1,940 His Wage
$740 My Wage
$320 My Wage #2
$3,000 Total Income
Bills & Utilities
$50 LOC (might be gone)
$150 Car Fuel
$40 Date Night
$75 Car Insurance
$2,465 Bill Total
Savings & Debt
$120 Car Savings
Retirement, Vacation, House
This is our minimum income budget. Usually I work more at job #2, or a get money from other odd jobs. This also doesn't consider Christmas bonuses, tax refunds, etc. All that extra money is used to fund retirement, or vacations.
I paid off my credit card with the medical bill on it today! My checking account is lower than I like, but I have a pending deposit so I went ahead and pulled the trigger.
Got the goat testing results back, all clear. I've paid most of that. Looking at having $150 in vet bills soon, also I need to get my kitten neutered, and I need to go to the doctor for my yearly physical. Yuck! So still lots of little expenses coming up.
Remodel is a go. Just need to sign the contract and hand over the $2,500 deposit. We will be taking the money from the truck fund and the LOC. We will get our new HELOC in a month or two when the work actually starts, at which time we will pay back the truck fund and pay off our current LOC.
So in the next two months we have a mad push to save/pay down debt, and finish some of the remaining home projects before the appraisal. Thankfully it's mostly small stuff and cheap like patching a hole in the drywall, painting the bathroom, finishing the trim, etc.
The remodel is really going to push our financial limits. But we are going to try our best to cash flow as much as we can. No way we cash flow weekly labor. But we are hoping to pay for some of the materials as we go, and pay cash for the finishes such as light fixtures. Any thing we can do to keep the financing only for the big ticket items.
Once the remodel starts we are on a time limit. The bank says we can't refinance into a 30 yr fixed until everything is complete. That includes finishing our upstairs which currently is only insulation and rough in electricity.
So while the crew is working on the addition, we will be working on the upstairs. We are probably also going to do most of the finish work on the addition. But we will just have to wait and see how our budget is going once we get there. Fingers crossed for no major unexpected expenses.
Exciting and scary!
Okay guys! I'm finally to the point where I am caught up and my checks can now but put towards bigger items. But I am unsure on what order I should fund things. So if I list out all the things that need saved for or paid maybe you guys can give me an order to work towards.
I need $640 for winter animal food / testing. This would be spread out over the next several months.
The LOC still has $4,000 on it. Any amount we pay towards it is less debt for when we do the construction loan.
I would like to contribute $1,500 more towards my Roth IRA before tax season.
We need to come up with a $2,500 deposit for our contractor. (We can either save cash to delay getting the construction loan a little while longer, or we can just go ahead and get the loan.)
I'm thinking maybe get the animal stuff out of the way first since it's the smallest amount. But then what?
Obviously we can't finish all of this in the short term, so I'm just wondering where my money is better spent before we get the construction loan. I want to get us as well off as I can before we take on more debt.
We finally got a revised estimate back from the contractor after he accidentally gave us an estimate for double the square footage before.
We were expecting the number to drop by at least 30-40%... Well it only went down like $10k. What the heck?
For example, concrete for the 940sf was like $13k and his new number for the 470sf was $11.5k. Gr. It is half the materials and labor. I realize some costs aren't going to go down, but I feel it should be less than that.
Anyway we had gotten another bid from a different contractor who we really liked as well, and were having trouble deciding who to go with. So now it made the decision easy.
They are going to start siding and windows in the next two months. Then we will have until spring to decide if we are really ready to take the big leap and get the addition.
Mortgage is down to $46,179.70
Our LOC expires in a couple days. I stopped into the bank 2 weeks ago to get renewal papers which they said they would mail to us. Well no papers. So now I am going to have to stop in again and bug them. I hate it when people don't follow through with what they say. The story of my life.
My paycheck has apparently got lost in the mail. It was mailed 2 weeks ago and still hasn't arrived. So they are going to have to resend. Arg.
So I'm in a sticky situation and I need advice.
My best friend married a foreigner, and they can't settle anywhere. He can't work here, she can't work there. They are constantly kicked out of each others countries and keep having a move every few months. She is having a baby, so this isn't a good life style.
They are trying to apply for her husband's green card so he can go to work and school in America and they can settle down. But by US law they need a financial sponsor.
Basically the sponsor agrees that if they can't pay their bills, etc, you take full responsibly for them. You would also be required to pay back any government services they get such as food stamps, medicaid, etc.
While I love my friend she is one of the most irresponsible people I have ever met. I do NOT want to be legally bound to her financial situation. She is at her wits end because literally no one in her family makes the income requirements, or they have been in trouble in the past for tax fraud. So she is reaching out to friends.
She is what I would call a gypsy and has never worked or lived any where more than 4 months. All her friends are the same, and as such none of them have made real wages, or they don't pay taxes.
So that leaves me. The boring person who stayed home and works. I barely make enough to meet the income requirements. When she asked me I agreed to sign for her because I thought I was just vouching that her husband is a good person, and not a bum. But my husband made me back out when we found out about all the financial legalities as well.
Has anyone ever done this? Is it a serious manner, that I am right to not want to do? I don't ever want to ruin my credit, or owe the government for something they do or didn't pay. But if it's mostly just a good faith voucher, I would be fine with that...
I just don't know much about it.
I still owe $750 on the credit card for my medical bills. Not due for another 5 weeks, and I should have checks in the mail coming any time that will cover it! I'll be so glad to have that out of my hair!!
I am so angry at the USPS. They LOST my package containing all my goat lab samples. I had insurance and tracking, and it's just gone. They can't find it. They are saying that priority mail isn't guaranteed so they won't even refund shipping.
They may pay for the cost of the syringes and vials that were in the package if I can come up with a receipt to prove cost. But that does nothing to make up for the 5 hours it took 5 people to catch and draw that many samples.
They have been nothing but rude and snotty to me, And basically said that since the box contains "biohazard" material that from now on when they see us shipping something similar they are purposely going to put it in the slow mail so my package doesn't accidentally contaminate the other mail. The slow mail takes a week, and the samples can only stand being in transport for a couple days. Ugh. I've been shipping these for years and never had a problem with 1 or 2 day mail. I've even double checked with the lab and they said that shipping in the 2 day mail is allowed, and that the post office workers are just being jerks. (I've had problems with this particular post master with other things in the past, and I think she just hates me.)
So now when I ship again I'm going to have to drive to a different post office, so my package isn't automatically marked for slow travel. Seriously I've been shipping these boxes at least once a year for 8 years, and never once has "biohazard" been mentioned, nor has my package taken longer than 2 days to get to the lab. I just shipped a box last month for pete's sake! They have known what was in the boxes the entire time.
Anyway I'm fuming. Mostly over the time lost with having to redo everything again, and the post office's lack of caring or apology at all. They are just like "oops, too bad." How can they just lose a package, and do nothing?
I don't want to go into too many details for privacy's sake. But a very close friend of ours was involved in an accident and indirectly caused the death of one of his co-workers. Our entire community is very shaken up. My mother was also involved and the only witness and although both her and my friend are unharmed they are both pretty upset and traumatized. My friend is feeling a lot of guilt even though it wasn't really his fault. I would appreciate any prayers or good thoughts for him.
It's going to be a hard road of recovery for him. We are doing everything we can, and have been inviting him to our house daily to hang out so he isn't alone while he is temporarily on leave from work. I pray that this doesn't affect his career choice that he loves and has worked so hard for.
I am so thankful that neither my mother or my friend was hurt. It could have been a lot worse than it was. A man lost his life by avoiding hurting them, and he has been honored as a hero. Hold your loved ones close, life is short.
We got all the goat's drawn for testing yesterday, now just have to pack and ship. I'm glad that job is over and done with. I'm trying to sell a goat to try and help pay for the cost. Which is around $400.
At a recommendation I called another construction company. They came out and looked the very next day, and then gave me an estimate the following day. I was shocked. I am so used to getting the run around for months and never hearing anything back. So now we are just deciding if we are really ready to do this. Our mortgage/taxes/insurance will go up about $300 a month. Whew. Which is still within most people's mortgages, but we've been used to paying such a small amount it's going to be hard to stomach. So we need to revisit our budget, and think hard about it.
If we are okay, then the bank needs to come out and give our house an appraisal, and after that clears we will be able to get started on building. I am so excited and also nervous. I hope we are not making a huge mistake. We will be more than doubling our home debt. Which sounds scary.
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