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EasterJoy
Guest
Moving into a hand-me-down Barbie Dream House only to be told that a) you can’t improve it and b) you can’t move is a bait-and-switch! Yes, I can see why you’d want to move into something far more modest and yet less jarring to the eye. I mean, I’d live in a purple house if my husband loved it, but hating it and knowing he hated it, too–yes, definitely something we would talk about.Here’s the happier sample disagreement that I promised.
My husband and I recently bought a large, very pink house in a good location that allows us to get by with just one car. (We’re talking 20-year-old dirty mauve carpet, pink Formica, a purple toilet and purple bidet, even pinkish white paint throughout the downstairs–basically a sort of well-worn Barbie’s Dream House.) I agreed, fully intending to renovate the daylights out of it at the earliest opportunity, as there were only one or two houses for sale in this small area every year.
Some time after we bought the house, I discovered that my husband believed that any cosmetic work on the house would only come after we finished saving for the kids’ college. At $100k per kid, that would mean that we would need to have $300k in college savings. Problem 1–we don’t have any college savings at all at this point. Problem 2–my husband envisioned me doing the cosmetic renovations (which I had mentioned before to him would probably run in the neighborhood of at least $40k) in the meantime out of my “fun money.” My fun money has lately been about $30 a month. So, I’d need around 1300 months (that’s 25 years, people) to manage that, by which time it would probably be about time to start all over again with the project. So, let’s say I wasn’t happy with that idea, and I would never have agreed to buy this house on those terms.
I explained to my husband that this was a big enough deal to me that I would prefer to sell our big pink house and find a smaller non-pink one in a less nice area, if we were going to have to do nothing but save for college for the next 20 years (we have a 19-month-old). My husband, who hates moving and is hoping never to move again, didn’t like that idea AT ALL.
I pointed out that technically speaking, we don’t need $100,000 per kid, as that’s what we’d need for Big State U but Hometown College would run us about $20,000 total per child if they lived at home (that’s total–not per year).
My husband pointed out to me that it seems more than a little unfair to our kids to force them to go to Hometown College, just so I can have a nice kitchen. I had to agree, while thinking that it would be a very good thing if at least one of the kids went to Hometown College. He asked me if I’d be willing to get a job just to do the renovation, and I said I would. My husband had not realized that this was that important to me. Now, mind you, I’ve been poring over and annotating home design books and magazines for the past 10 years, but it had somehow escaped him that I want a pretty house.
We finally did the math. If all three kids go to Big State U., our total tuition costs (private school and college) will range from $3k a month (2 kids in school, one kid in college) to a doomsday scenario of $4.5k a month (1 kid in school, 2 kids in college) for one year, to $2.5k a month (1 kid in school, 1 kid in college) to a final tuition burden of something like $2k per month (although who knows what costs will be in 20 years). But by then, our house is paid off, so college will be less burdensome. This was all very rough calculation (and ideally some kids would live at home and/or work), but it was helpful. We realized that our main goal should be to prepare for the one year where we may need $4.5k a month in tuition. There was some more math, and we decided that if we were able to save $10k a year for the next six years, then any money in excess of that would be available for home projects.
And there was much rejoicing!
This was a big, tough talk, but it was very productive, and we were both happy with the outcome. It remains to be seen if we will manage to save anything for college (as I mentioned, we haven’t saved a dime yet), but there’s all the difference in the world between being told, “First we save $300k for college, then you get to repaint the peeling pink paint everywhere and replace the dirty pink carpet,” versus “We’ll try to save $10k a year for college and if there is any extra, it can be used for the house.”
Talking and listening–these aren’t too much for Christian spouses to ask of each other. Within limits, but you’re talking about a constant irritation. Be willing to suffer for your spouse when necessary, but don’t go looking to make yourself into a martyr!