Last month (December):
Years left: 7.083333
P = $863.05, I =$351.35, Escrow = 621.66
This month (January):
Years left: 6.916666667
P = $869.10, I =$345.30, Escrow = 621.66
One month savings: $2.62
Most Christmases I don’t tell DH what I want and he comes up with something thoughtful and often whimsical that he pays for out of his own allowance and not the family funds. This Christmas I was feeling the pinch of the expectation of him leaving his job at the end of the year. So deep down I wanted to repurpose some of his allowance for things we needed (that’s my selfish thought). Also, there’s been something that’s been annoying me slightly for six+ years and mindful of our post on fixing minor annoyances, I figured that would make a great Christmas present from DH to me.
Several years ago we bought a house that has an open floor plan. DH had visions of working in the kitchen while future children played in full view in the great room, or did their homework on the counter in the informal kitchen next to the sink.
For the first year we couldn’t afford furniture for the great room. In the second year we didn’t have time to shop for any so we put our dining room set in the great room and made the dining room into a second or third playroom. In the third year we realized that if we broke up our living room set from our old apartment back in graduate school, not only would it furnish both the living room and the great room, but I would also stop walking into the loveseat at night during nocturnal water missions.
In year one, after a few months of salary, we bought a w/d set. We bought 6 bookcases on a close-out sale and a really cheap guest bed. We saved up and bought a really nice Amish chair and a less nice glider (that I don’t use but the mother’s helpers love) and one of those Stokke Trip Traps and eventually a desk for the guest bedroom. Year two we bought an Amish filing cabinet. It is the prettiest thing in our house. Year three we bought pictures for the walls. Year four brought DH a new desk chair and DC got a desk. Year five we got another two bookcases (which cost more than the original 6!) and a chest of drawers for DC2.
And now, for year six, we finally have bar stools. Two of them. So that the DCs can sit up at the counter while we’re in the kitchen and work on their homework. Not that that’s ever going to happen because DC1 is training to work in the kitchen too and prefers doing homework on the living room floor, and DC2 had many years before sitting up on the bar stool is safe. But you know, the dream is no longer an impossibility.
I think that’s it. After 6 and a half years of living in this house, we finally have bought all the furniture that we think it needs. Sure, DC2 may need a desk of hir own one of these days, and there’s always the possibility of buying more bookcases. Some day my graduate school paste-board desk may finally fall apart. And my MIL is slowly replacing our vertical blinds. But for the most part, we’re set.
And it only took 6+ years of living here.
When folks move into a new place and go into credit card debt to furnish it… I don’t understand. The place will get furnished eventually, and without taking on debt. (And hey, for the couple that has to get/give Christmas presents but doesn’t know what to ask for each year… furnishing the house can provide years of ideas…)
How long did it take to furnish the place where you live? Did you do it all at once or in drips and drabs? Where did you get things?