My better judgement says to pay down on the CCs. My H wants to take 15k out of his 401k and be done with it. He says we are still young and we can still make it up. We are in our 30s. I really really hate for him to do that because I see how my Dad, Mom and MIL struggle with just living on SS alone. Also, it is a nice Band-Aid but if we don't rethink or spending it will be right back there and once that 401k is gone it is gone.
As far as this house goes, that is the one thing I am proud of is that it is almost paid off. The only thing wrong with this house really is that it is 200 small. 890 sq feet and there are 4 of us living here. 2 littler girls and H and I. It is 2 bedroom 1 bath and that 1 bath is getting harder and harder for us to deal with. H and I looked into another house a few years ago and we were shocked that the owners wanted 130k for a house that stunk and was trashed, i.e., holes in the walls, unfinished projects, a huge mess everywhere.
We bought this house in 1999 for 29k. It is a rock house. It was newly remodeled, it has central heat and hair, it has a big fenced in backyard and a huge storage building H uses as a shop. We do live in West Texas so I am thinking houses are cheaper here. I have heard relatives say that up north in the bigger cities this house would be worth 100k or better. |
Well, my better judgement said - Overwhelmed. 
