The Home Renovations Onion

It's now four months since the Home and Renovations Show we attended to begin the process of possibly redoing our kitchen and master bathroom, and three months since we had contractors out to give us initial estimates.

And nothing's begun.

Making progress on this has been like peeling back an onion: nothing is as simple as it seemed at first blush.  For instance, one of our first commitments was to redo the closets with a new closet system for us and for Sarah.  We've signed the contract to get that done.  However, it dawned on us that the new closet furniture will be installed, and pretty immovably, on top of the carpets...the carpets that have been there for at least the nine years since we moved in, and God knows how long before that.  Replacing the one in our closet is easy; it's a stand-alone patch of carpet, since the tile floor of the bathroom begins just outside it.  However, Sarah's closet carpet flows into her room...which flows into the upstairs hall...which flows into the guest room (oy, there's one that really needs replacing), David's room, our room...which means a much larger project than at first blush.  (The carpet guy is coming out tonight to take a look.)

Picking a contractor took awhile; I think we've come to a point of decision on whom we want to use, but we also want to lock in the financing first before we make a multi-tens-of-thousands commitment and find we can't back it up.  So we back up to start looking for a home equity line of credit (HELOC).

A simple query on Lending Tree turned into an interesting snapshot of credit markets post-2008.  Only one lender was willing to talk with us, and quoted us rates that seemed higher than I had expected; apparently these days lenders just aren't willing to take a subordinate position to homeowners, even those of us with credit scores around 800.  They suggested a cash-out refinance, but then when we started exploring that (with a fresh Lending Tree query), everyone said we were asking for too much cash out for the credit markets to bear these days.

Fortunately, one lender made the comment that a credit union has different, looser rules, and so we're now in the process of getting final approval for a HELOC through our credit union.  But the multiple rounds of that have precluded us from making final decisions on a contractor, let alone the scope of work and details of the project.

I do remain optimistic that our plan for the year--that There's Gonna Be Some Changes--will still come about, even in this realm.  It just may be into the fall before the renovations are done.  And it will take all my willpower not to suggest to the designers to put up wallpaper with onions on it, to remind me constantly about the level of effort required to get there.

There's Gonna Be Some Changes

Twenty-odd years ago, a good friend and I would greet each New Year's with the same promise: this year, we said, "there's gonna be some changes."  One year it was when I got married; another year, she promised she was going to get a new job.  The dreams of each new year sounded big, and impressive, and maybe just a little scary at their immensity.

The first 31 days of 2013 suggest the old trope will actually be coming true this year: there's gonna be some changes, in 2013.  As the shine of New Year's resolutions fades and we confront in February the gritty realities of the year to come, there's still quite an extensive list of things we're planning to do this year:

• Tomorrow we go to visit the Fairfax County Humane Society's dog farm and look at doggies.  After months of "I wanna puppy I wanna puppy I wanna puppy," we're actually going to do it.  We've bought the food and water dishes and baby gates (to mark off space in the house so Doggy can get used to it gradually instead of Whoomp all at once), and we have our eye on one dog we're hoping to meet and who might come home with us later in the month.
• In mid-January Mary and I went to the Home and Remodeling Expo and began, formally, the process of spending tens of thousands of dollars.  The hope is to be able to redo the master bathroom and some portion of the kitchen; we've already contracted with one outfit do redo Sarah's and the master closets, and we've already met with three contractors (fourth is coming up) to see what they can do and how large a bag of money we'd need to come up with.  But one way or another, one room or another (if not both) will be done in 2013.
• After years of inaction, we're beginning to redo the living room: scrapbooking supplies are moving to the rec room, which brings us to...after years of inaction, work (of a sort) is starting on the train set, too!  I'm making the executive decision that some parts of the train won't ever be set up, and so I'm repurposing parts for later use.  The scrapping station will go where those unused train set parts are stored.
• I bought myself my own drum kit, which is now also ensconced in the rec room.
• And, perhaps inspired during my time at Harvard last month, I have started some writing projects, one of which I want to see through in the coming year.

And that's only the first 31 days! May the good starts begun in January bear fruit throughout the year and into the years to come...