My house is 69 years old--it was built in 1940--so when things break down, it's no surprise. Inconvenient, maybe, but not surprising. I've known there are leaks in the walls around the bathroom for some months, because I hear drips after turning off the tap. They slow down and stop after a while, then it happens again the next time I run water. I've been hoping the pipes would last until my intended bathroom-remodel date (Spring 2011), but, alas, they won't. Last night, when Minnie jumped into bed with me, I noticed she had wet feet. She'd just come from under the furnace (her favorite hidey-hole), so I got up and looked under there...and, sure enough, there was a thin glaze of water and a lot of old water stains. I looked in the back of the furnace closet (directly over said hidey-hole) and found more water stains. Nuts. Time to call a plumber.
But, thinking about it after lights-out, I knew the plumber would have to tear open the walls to fix those leaky pipes--something that was already planned for bathroom-remodel time. "Why do it twice when I can kill two birds with one stone?" asked one half of my brain. "Why not go ahead with the remodel now and fix the pipes at the same time?"
"Oh, yeah?" the other half piped up, "How you gonna pay for it?"
Good question, Brain Half #2.
Well, I work for a university, and where there is a university, there is a university credit union. Sister A. had already suggested I try them, but I'd been putting it off, thinking they surely wouldn't hand me a pile of cash just because I started a wee little savings account with them. And even if they OK'd my loan, how long would it take between starting the account (or membership, as they call it) and getting the loan? And how strict were they--as strict as commercial outfits, who have said, on more than one occasion, that my debt-to-income ratio is too high? I have a very good credit score, but it always comes down to that ratio.
But the worsening leaks made further procrastination impossible, so I gathered up my courage, went to the credit union, started a wee little savings account...and walked out with a pile of cash (or, rather, a loan check).
In, like, half an hour.
[insert sound of jaw hitting floor]
So, contrary to previous plans, the remodeling ball is about to get rolling. I emailed my contractor, told him about the leaks, and set up another meeting next week. This weekend, I'll update and finish my remodeling plans, then start accumulating materials in a hurry. Maybe we can start the work in a couple of weeks, and I'll have a nice, functional bathroom by July 1st. :)