Category: Personal Finance

  • Average Jane’s Old-Ass House

    Last year, I got a phone call from my next-door neighbor whose yard is sufficiently uphill from mine that she can see parts of my roof that aren't visible from my own yard. She had noticed that a big section of shingles on my garage roof had blown loose, probably during the high winds we'd had earlier in the week.

    You might think that would warrant some financial assistance from our homeowners' insurance policy, especially on a nearly 20-year-old roof, but you'd think wrong. They only offered to pay for some minor repairs that, quelle surprise, would cost less than our deductible.

    By the time this all ground through the system, numerous people had tromped all over the roof circling hail damage with chalk and generally agreeing that it was not in great shape overall.

    So, I decided it was as good a time as any for a new roof.

    However…

    I'm sure you're familiar with the concept of deferred maintenance. My house had become its poster child. And one of the biggest problems that needed to be solved before any other work could proceed was the removal of a truly monstrous amount of overgrown ivy that had crept from the side of the garage around to the front and up onto the roof. No work could proceed on the roof before we had it all taken down.

    I have a long history of thinking, "I need to do something about that" in regard to home and garden issues and I reliably let them get so bad that I eventually have no choice but to act. I already knew that the ivy had physically yanked the gutter off the side of the garage and was damaging the siding.

    My regular shrubbery guy wouldn't take the ivy removal job because he encountered one of the rat snakes that lived in the ivy while I was explaining what we needed, so I found someone else to take on the challenge. They stripped it all off the building and I cut the ivy stumps below ground with my Sawzall and poisoned them.

    Of course, once the ivy was gone, the house needed to be painted to repair the damage and of course we needed a new gutter to replace the one that came down along with the ivy. I briefly considered siding, but the cost was absurdly high and I also hate the way it looks, so nevermind.

    But before we could paint, there was another problem to be addressed. One of the garage walls had obvious water damage (and, it turned out, termite damage) that had caused it to bow outward. The door that people use to go in and out hadn't closed properly in years. If we were going to repaint, it made sense to get it rebuilt with cinderblock footings so it could withstand heavy rains without further damage.

    Finally, we ended up with:

    • A new roof
    • A rebuilt garage wall (which cost little enough that I was mad I hadn't done it sooner)
    • New guttering on the side of the garage
    • A gorgeous dark grey paint job with white trim 

    and while I was at it, I went ahead and got:

    • New garage doors.

    It all cost eleventy-bazillion dollars, half of which I borrowed. But the house looks amazing. No regrets there.

    Except that stuff inside the house keeps going bad now. Specifically plumbing.

    Since last summer we have replaced a toilet, had a sump pump installed in the basement at tremendous expense, and now the drains under our kitchen sink all need to be redone. I had the plumber out to look at it on Monday, hoping that the repair cost would be in the realm of what I could scrounge up a week before payday. But no, it was about twice that. So I literally have to wait until next Monday to get it repaired.

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    In the meantime, my sink is out of commission and I've gotten out the drain plugs and caution tape to remind myself and the spouse not to pour anything in there.

    Considering that we've lived here for 29 years, I guess it shouldn't be a surprise that there are a lot of things that need to be repaired. Heck, we also have caution tape on one of the two sink faucets in the main bathroom because it broke and I'll obviously want to replace both faucets at once…whenever we get to it.

    I know this is all just one of the frustrations of home ownership. And I guess it's outweighed by having a house that gets more and more to my liking with every passing year. (She said, averting her eyes from the living room ceiling that needs to be redone, the damaged plaster on the hallway wall, and the hardwood floors that could stand to be refinished.)

    But did I mention that the house looks great from the outside now?

  • Average Jane on Not Shopping for the Holidays

    IMGP1752 Even before I found out I was going to be laid off at the end of the year, I'd already had the discussion with my extended family. We decided that this would be one of those holidays where we only buy gifts for the kids.

    It's not the first time we've done this. The economy has been rough for a while now, and we make the decision from year to year based on how well everyone has been staying afloat. I think keeping the gifts to a minimum makes for a very relaxed and pleasant celebration. We take the emphasis off the stuff and bring it back to the people (and the food, of course).

    This year more than ever, the whole holiday shopping season phenomenon seems absolutely alien to me. The store decorations, gift guides, ads and e-mails touting various bargains just don't compute.

    Then I heard about people who are already camping out for Black Friday sales. Seriously? It's really worth it to these people to spend a week away from their families and miss Thanksgiving just to save a few bucks on a bunch of consumer products? Talk about having your priorities out of whack.

    I'm looking forward to spending the days between now and Christmas doing things I really enjoy, while other people are out sweating over gift lists and fighting crowds.

    I'll bake cookies, make candy and decorate my house. I'll have friends and family over or I'll go to their houses. We'll drink hot chocolate with butterscotch schnapps and hot cider with spiced rum. I'll watch DVDs of "Bad Santa," "Elf," "National Lampoon's Christmas Vacation" and maybe even the Rifftrax "Star Wars Holiday Special."

    And I'll bet not one person will elbow me or step on my foot that whole time.