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Friday morning we closed on our HELOC. Since there's been a huge downturn in the economy, which I'm sure you've heard about by now, we didn't get as much as the bank initially was hoping to loan us because the value of our house has decreased since our last appraisal in Spring '08, but we did get what I had originally asked for. It's good for ten years and here are our short- and long-term goals.

Before the arrival of Chocolat:

1. Heat-pump so we can have some humidity-reducing, life-saving A/C pumping through the veins of our little house, with the added bonus of not having to spend another winter worrying whether our dinosaur of an oil furnace will poop out. In January. In the middle of a deep freeze. I hear old furnaces have a history of doing that.
2. Having the rest of the wood floors on our first floor sanded and refinished.

Sometime in the next year or so:

1. New fence around our backyard with actual gates.

Sometime, somewhere, over the rainbow:

1. Pergola over our patio.
2. Front porch
3. Additional bedroom over the front porch.
4. Small kitchen remodel, the brunt of which is opening up the wall between kitchen and dining room.
5. Some other stuff we haven't thought of yet. Consume consume consume!

Of course, now that we have the HELOC, what I'd really like to do is buy a new, smaller, neutrally-colored sofa that isn't a behemoth sectional that looks like it's eating our living room, as well as some lovely Flor carpet tiles. But I won't. I promise to be a good girl.