I hate going into debt and it hit me hard that getting a mini-split system would cost about 10 years to finance at a low monthly payment. I seldom use credit and when I douse credit I stay around $1-2 grand, so knowing I’d get a bill each month for 10 years for a heat and cooling system. I know that it is not unreasonable cost for a new heating/air conditioning system. In fact it was about dead on for my expected cost. I just don’t want to have a monthly bill for a loan for 10 years.
I don’t need this system right now. It would be more efficient and add some comfort level but it is not a need to have it is a want to have for me.
I do have a couple of smaller projects I’d like to get done and I won’t have to go into debt. My gutters are not perfect though they did stop most of the seepage of water into the basement when I had no gutters. But I got rain chains rather than down spouts and the rain chains don’t work well in areas that freeze or have snow and rainy seasons/months. I have a patio awning and a carport I want cleaned off before any snow starts adding weight. 2017 Snowmeggedon had many of those carports and patio awnings collapse and I don’t want that to happen to me.
I think I will pay a bit extra getting everything cleaned up this fall but I should save money in the future. Honestly I have sort of ignored this issue because it was not an Emergency. Now I want to get ahead of a few issues before they become an “Emergency”.
I think it is important to prep up to the level of what you consider an acceptable life. Then find ways to meet that minimum of an acceptable life. That does not mean you are eating cat food cold huddled in a corner of some skyscraper. How do you want to live and how much effort are you willing to put in to live at that standard. Plenty of people will exist with handouts of the government and charity. They will never change .Give them SNAP /food stamps. Give them rental assistance. Energy/power assistance and all they want is more. Hard to blame them when the government always gives them more without any effort on their part.
I don’t have warm and fuzzy feelings about how things will break but I know the better you are prepared the more time you will have to adapt to the new paradigm.