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Is Grad School a Good Idea?

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First off, I know I’m going to tick off a lot of folks by talking about the free college thing again while giving zero information as to why. Let’s put it this way, there are lots of reasons someone might not want to tell you why they are getting something for free – especially when it’s a big thing for ‘free’. Divorce, loss, death, military, disability, etc. Seriously folks. Lots of reasons. It’s a part of my life that I’m not open to talking about. Just understand it exists. Sorry. I hate that.

I’m bringing it up again because there’s something I didn’t share. I qualify for it as well. Tuition. Any school of my choice. Any degree of my choice. The ‘event’ that qualified me for it didn’t happen until after I graduated from undergrad, so I had to pay for that, but I’ve been debating graduate degree lately.

Here’s the problem. I don’t know if I want it. Yup. I just said that. People go hundreds of thousands into debt for it and I’m like…meh. Something about looking a gift horse in the mouth. But here’s why, it would be a 1-2 year commitment with lots of late nights attending classes and studying plus the cost of books. Sure, I’d get my MS but for what? I’m really happy with the job I have now. I don’t work crazy hours. The team that works for me is a reasonable size and I don’t lose a lot of sleep over them. I get paid enough to pay my bills, invest for retirement, and have a little extra. Sure, I don’t have nice clothes or take crazy vacations but that’s not my jam anyway. My boss is talking about moving me into a role to supervise more people and all I can think is…Ack. No!

Mo Money. Mo Problems.

I applied for a graduate program at the local college, though I may look closer into one online since that’s a bit easier, and my husband is SUPER supportive but I’m so torn. I’m applying because it’s free, not because I have any desire for it. I know it’s a bit of a weird situation but I’m wondering what the BAD readers would do. Get a degree even though you are happy where you’re at? Or decide to forgo the degree and enjoy a margarita? Better yet, be home each day to hug my kids and play tickle monster. That’s pretty appealing. When is enough, enough when it comes to work and money? What are your thoughts?

As some background, the benefit never expires. I could wait until I’m just about dead to use it.

 

Renovation Tips

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We came $60K under budget on our home purchase (WHEW!) but we bought a house that needed some work. We’ve decided to reinvest all $60K back into the house. When my husband does all of the labor, $60K equates to roughly double or more of what folks spend to contract out. That $60K, in theory, can stretch pretty far.

*In theory*

So how do we decide where to allocate our remodeling budget…especially since there is more than $60K of work needed?

Big Rocks First
Franklin Covey shared his story about prioritizing the most important things first. If you are one of the few people left on the planet who hasn’t been exposed to this, watch HERE

We are replacing the windows ($15K) and the carpet ($10K). Oof. That kicks us down to $35K.

Safety is also a ‘big rock’ for me. My husband said he ‘thinks’ he can paint the 18’ ceilings in the living room. He does not have the proper equipment and this sounded like the least safe thing to do. The painter was $2,400. That’s cheaper than an ER bill so we hired a painter for the high ceiling areas only. The rest of the house we are painting.

The water heater is 20 years old. Yeah. 20. In case you didn’t know, they usually last 10-15. When you turn on the hot water, occasionally gray water comes out. Um, I don’t need to worry about the kids drinking that. My husband is replacing the water heater for $1,500. For those counting, we’re now down to $31K and we haven’t even done anything fun.

Every. Single. Wall. Needs to be painted. Remember how the colors of the home scared everyone away from buying it? Yeah. Now we have to cover those up. One of the rooms took FOUR coats of paint…and we buy good paint. I felt my soul die on that a little. But then I remembered what a good deal we got on the house and I’m more forgiving. Paint and supplies cost us $6K.

Perfect Pairings
This is the time we move to the fun stuff right? Nope. Sometimes it’s less expensive to do things now while something else is in process because it will save you money later. My husband wanted to replace some of the plumbing in the spare bathroom. A rush for right now? Nope. But will it eventually fail later? Absolutely. Unfortunately, the wall we need to cut into is the same wall the painters are scheduled to paint and they are letting us borrow their ladder. If we don’t do the repair now, even though it’s not a rush, we’ll have to bring the painters back out later and somehow figure out a way to get to that stupid wall.

We also have to replace the flooring in one of the bathrooms. Yes, we could do the flooring only but we eventually want to replace the vanity. If we do the flooring now, we’ll either have to get a vanity with the exact same footprint or replace the flooring again later. Ugh. New vanity it is. And a new toilet. Same reason.

Dreams and Wishes
Once all of the boring stuff is done, we get to the fun part. We hope to have just over $20K left and we’re focusing on dreams and wishes. We are renovating the master bathroom and painting the kitchen cabinets. We’re hoping to have some left over but understanding that renovations are like nailing Jell-O to a wall. We don’t get to even start the fun stuff until all the other big rocks and pairings are done which will be a couple months away.

I am SUPER grateful to be married to my contractor. I’m a lucky girl.

Tell me your renovation nightmares!