I am going to share with you a few of the things I have learned in 59 years of life.

Don't borrow the money. Put it aside a little at a time and soon you will have it. You will sleep better at night.

Wifey may not like it but unless your kitchen is a total disaster, she will accept it.

There are many, many good contractors. It only takes one bad one to totally ruin your day.

The only monthly payment you should ever make is your mortage. A car payment is also acceptable, but only one per family. Your second car should be paid for. Carrying a credit card balance is a bad plan.


Lessons learned the hard way.