The technicians are here as I type installing our new furnace. They cleaned all my ducts this morning (that was a fun project for them, I’m sure) and now the furnace is being installed. I just finished meeting with the president of the company, who is the person who came originally to the house to give me the estimate. He sat down with me to go over everything, and he had a preprinted form-letter type checklist of things to touch base with me about, including the rebate our gas company is currently offering for this furnace, how to operate our new thermostat, and other issues like that. Then I took out my checkbook to pay him, and as I wrote a check for $3700, he went to his preprinted generic checklist and the line item that said “Financing Paperwork Signed” he marked “N/A”.
This is a major moment in my life.
Honestly, it didn’t really sink in until that moment. This is a major purchase we are making, that we hadn’t really quite planned to make so soon, and yet, we managed to swing it, without even touching our emergency fund. We don’t need financing. We just paid for it. Of course, the timing of the furnace replacement was very fortuitous, with the economic stimulus rebate arriving, but even without that, we would have managed to pay for it (but the emergency fund would not have been untouched).
Times like this I realize even though we have a long way to go, we have really made a huge amount of progress in improving our financial present and future. And we stimulated the local economy to boot.