Coming Soon: Free Book

Coming Soon: Free Book
Planning to give away a book or two!

Tuesday, March 11, 2014

Follow up on decisions, decisions

So much has happened in the past 5 days! It actually started 9 days ago when I stopped by a lumber yard to price a garage.  I really WANT a garage instead of my temporary carport.  I NEED to fence in the yard because the girls (Duchess and Misty, our Dobermans) need a place to run unsupervised and I need a way to control them out to the car.

I was struggling with the fact that if I put up a fence this year and in 2-3 years put up a garage, then I would end up taking down part of the new fence.  I've paid off the main part of my home. (Considering I purchased my home as a repo for $24,900 that doesn't mean that I have a huge amount of equity.)

I talked to several people and found out that adding a garage only adds $5-8,000 to the value of a home.  So paying interest on it just doesn't make sense.  I am a firm believer that you should do everything possible not to pay interest on anything that depreciates.

My car is financed at zero percent. My credit cards are paid in full at the end of every month.  The only loan that I have at this point is for my original home improvement loan and that is very low interest.  Even though I want a garage, I think I am going to resist taking out a loan for it at this point.

Two other wants on my list are as follows:
Publish my third book in the series
Go on an Alaskan Cruise

I have saved the money to do one of the two and as I said a few days ago that I decided to go on the Alaskan Cruise.  I found out today that Dad and his wife are in the cabin next to us.  I believe that God Blesses us through little miracles on a daily basis.  Who knows, the book maybe published yet this year.  It is in God's hands!  :^)

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