Pulling a loan to pay for a major HVAC renovation

My wife has always hated that I tend to make financial decisions without a lot of research. I get where she’s coming from, but I think it’s mostly her being upset that I don’t always include her if I’m handling an important decision on my own. I usually try to at least update her on what’s going on or why I need this money or have to pay this bill. Recently though, I really slipped when I applied for a loan from my local bank. The goal was to get this loan, and use it to cover the cost of a house-wide heating and A/C renovation completed. I wanted to surprise my wife with radiant heated floors as our new heating system, and a brand new outdoor A/C unit for cooling down the house. We’ve been dealing with lackluster heating and air conditioning for so long at this house, I just wanted to fix the issue now so we can enjoy it for a long time! Unfortunately, my wife didn’t see the merit in my decision, and was very angry with me for a while due to my actions. However, I still believe it was worth it. Because I decided to pull that loan to pay for the renovation, we now have a brand-new heating element for our home, which can heat the entire square footage of the house without a single draft or cold spot. Just as well, the new outdoor A/C unit is actually 1 ton higher in capacity than the old A/C unit we had. We’ve been running with a lower level A/C unit for so long, I don’t we ever thought to make sure that the equipment was properly sized for our needs! She won’t admit it right now, but she’s glad that I made the purchase when I did.

all begins here