I've been avoiding my journal.
Just like I tend to avoid my fitness journal when I've been a bad boy health-wise, I've avoided this journal because I've been a bad boy financially.
We had a set back on our road to becoming debt-free.
My wife couldn't take it anymore. I can't blame her! I was having trouble myself.
We bought our house in August of last year, knowing it was a "fixer-upper." We had hoped to have it mostly done by now. But we had a number of financial setbacks along the way that has the house in a serious state of disrepair. Only two rooms were painted. Most of the interior doors needed to be repaired or replaced. Only one shower works. We have no lawn, only sand and weeds. You get the picture. Before we even moved in, we had to rip out all of the sinks, replace them, tear out the carpet, throw out all of the appliances except the dishwasher, etc.
To save money on flooring, we stained the concrete. But that hasn't worked out at all. If you look at it, it chips. Basically, it's an embarrassing hellhole. (only a slight exaggeration) The dishwasher is about dead. The racks are so rusted that you have a good chance to break off tines just by putting glasses in the rack.
When we committed to becoming debt free, we thought we could live with it until we could do it all with cash. But we couldn't. I'm not there 10 hours a day, so it doesn't bother me as much, but my wife is there all day, every day.
So we've taken on some additional credit card debt to get the house livable. New dishwasher, new doors, repaired the furnace, lots of paint, and the biggie will be new flooring in the main living areas. (The bedrooms will stay stained concrete for now.) I'm also putting in a front lawn, but that's more work than it is money.
I have convinced her to let me do all of the work myself, to save on labor. But to keep up my end of the bargain, I have to not let projects slip, or stay unfinished for long, as is my habit!
So I've been burning the candle at both ends for the past few weeks.
But I have to admit, the house is looking MUCH better, and MUCH more livable! I've been trying to only charge the big ticket items, and pay for things like paint out of the monthly budget. And we're not going nuts. I was ready to buy a $300 dishwasher, until I did some serious creative digging and found that I could get a $600 dishwasher for only $350 after all of the rebates I could collect. So I'm trying to still be frugal, and keep the debt to a minimum, but right now my debt level is going up, rather than down.
Forgive me Dave Ramsey, for I have sinned...