Friday, June 5, 2009

Handling Finances

Sometimes this topic makes me feel all grown-up, sometimes it just makes me want to cry.

Before Dave's stroke, he handled the major financial decisions around. He decided that we could afford the house we have, the cars we buy, etc. I ran the business. It was a good split, since we trusted each other. Even now, we are still affording the house we have, all of it, even though Dave no longer works. The cars are paid off, with one exception. And he had the foresight 20 years ago to start paying into a long-term disability plan. All good decisions, even now.

Now - well, the one car that is not paid off is one that I ok'd the purchase of. Will it be paid off? Yes eventually. In six more years. I don't like having a loan that is that long. But that is how we are able to afford a car that can hold six cars seats and pull the business trailer in a pinch.

The pool finally gave up the ghost. I can't just let it sit there, not with all our kids running around. It needs to be fixed or filled in, both of which costs about the same, and both of which is more than what I have available on my credit cards.

We are looking at the house, and trying to figure out where four kids will sleep, even if/when my parents are out of the house for good. Some walls need to be rearranged to make this happen. Does it need to be done now? No. But, construction costs are the cheapest they have been in years, and if/when the housing market recovers, it will only go up.

But I don't like making the decisions. Dave was always the good ones at this type of decision. Shoot, I'm the one telling him that we shouldn't go see a movie until I can get discount tickets on eBay. Who am I to be looking at spending incredible amounts of money that we would have to draw from the equity on our house?

I'm putting on a good front to the contracters I need to talk to, but right now, I keep repeating to myself, "There's no place like home, there's no place like home." Thing is, when I open my eyes, I'm still in OZ.

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