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Watching my Garden Grow

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I rented for a looooong time in life. I didn’t buy my first house until age 32, only to sell at age 34 when I went through a divorce. I then rented for another 2 years before buying the home where I currently reside.

From age 18 until 32 (and for the two years from 34-36), I was a renter. Most of that time, I moved every single year – rarely staying in the same place for more than 12-months. I kept moving as my income and life circumstances changed (sometimes moving “up” and other times moving “down” in home). One of the problems with that lifestyle is it meant I never really had a neighborhood community. I didn’t stay anywhere long enough! Everything I had felt impermanent.

Planting Roots

With the move to my current house, that all changed. I bought in a lovely suburban neighborhood where everyone knows everyone. It’s common to have neighborhood get-togethers and pot-lucks. The kids all play and go to school together and the adults all get along. It feels so good to be part of a community – to have neighbors who you can text if you need to borrow some milk or want to hang together on the weekend.

And another fun advantage of staying somewhere longer term is that it’s allowed us to plant roots. Both metaphorically and literally. My new husband is quite the gardener. It’s not easy to have a backyard garden in the harsh Arizona climate. But he makes it seem effortless.

You Reap What You Sew

This time of year we’ve been harvesting lots of squash plants, along with many jalapenos and a few tomatoes. We’ve got a pumpkin plant growing out-of-control and hoping to be able to harvest pumpkins by Thanksgiving.

My favorite is eating foods straight from our garden. A couple weeks ago I made stuffed acorn squash with squash from the garden (see pic below). And tonight I’m planning to make this butternut squash soup recipe with butternut squash from the garden.

We’re a few weeks away from harvesting our luffa plants and we have several dozen pomegranates currently growing on our pomegranate tree (they tend to be ready closer to Christmas time).

It’s so rewarding to literally eat the fruits of our labor! It’s been so fun!

Are there any other gardeners in the group? What’s in your winter garden?

Is Renovating Worth It?

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Are home renovations worth it?

My partner and I have lived in our house since January 2021. We haven’t really made changes or upgrades to the house in the two years we’ve been here, aside from regular maintenance like replacing our broken water heater and installing gutters.

Our house was built in the 1980s, so some of the aesthetic choices are a bit outdated. We have bright blue formica countertops in the kitchen, bright blue carpet upstairs, and linoleum in the mudroom and one of the bathrooms. But I’ve just designed around these little quirks, making sure the paint colors and furniture I chose wouldn’t clash with them, and accepted them as part of the charm of living in a slightly older house. 

My Partner Is Eager to Upgrade

My partner, on the other hand, is very eager to make upgrades and is getting kind of antsy about it! Our master bathroom is pretty tight and has a small shower with an off-white bath fitter surround that’s not the most aesthetically pleasing. I don’t see it as an emergency or something that needs to be dealt with right away, but my partner feels differently and wants to start saving for a bathroom remodel.

Our walk-in closet is actually part of our master bathroom, so we’ve talked about getting rid of it so we can expand the bathroom’s footprint and install a bigger shower. Our bedroom has an alcove where we could put a new master closet to replace our old one. 

But as a personal finance writer, I’m not sure if taking on a major renovation like this is worth it, at least financially. A middle of the road bathroom remodel—nothing extravagant like marble tile—costs about $21,000 on average, which is like buying a used car. And I’ve read that you can only expect to recoup about 65% of this cost when you sell your home. So it seems like we’d lose money by upgrading our perfectly functional, but small and slightly outdated, bathroom. 

Some homeowners like us choose to start with smaller tech updates instead of a full demolition. These changes can make a house feel more modern without the high price tag of a full construction project. If you live in an urban area, looking into expert home technology services in NYC is a good way to see what is possible. We might find that smart lighting or a better sound system adds more daily value than a new shower. It is a way to bridge the gap between keeping things original and making the space more functional for a modern lifestyle. This approach helps keep costs down while also satisfying the urge to improve the home environment.

Renovating Seems Trivial Compared to Other Financial Goals 

Since renovating the bathroom isn’t the best financial investment, I don’t think we should plan on doing it yet while we still have a mortgage. I know plenty of homeowners make cosmetic home upgrades before paying off their mortgages, and some even take out home equity loans to cover the cost of them. But I want to make sure the house is fully ours, not the bank’s, before we sink tens of thousands of dollars into nonessential upgrades. From my perspective, making sure we always have a roof over our heads is much more important than having a nicer bathroom, as harsh as that sounds!

However, my partner is more of a spender and values aesthetics more than I do after attending college at a top art and photography school. So we’re kind of at an impasse in regards to this issue. My partner wants to start saving for home upgrades, and I don’t want to make them until we’re further into our careers and more financially secure with a paid off home and more investments.

That’s why I thought I’d ask all of you for advice! Do those of you who have done home renovations think remodeling is worth the cost? Did upgrading your space markedly improve your quality of life? 

How would you come to a compromise on an issue like this when one of you is a spender and the other is a saver? My partner and I usually agree on other financial matters, but home-related expenses seem to trip us up! This house was a compromise in and of itself because I wanted something smaller and cheaper, and my partner wanted a bigger home with a lot more acreage. 

Would love to hear your thoughts in the comments section below!

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