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Patnet Guide to Sensible Home Improvements


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2016 Jun 22, 5:27pm   16,242 views  53 comments

by turtledove   ➕follow (11)   💰tip   ignore  

Here are the highlights: Built in 2002; 3300 square feet; 5 beds 3 full baths, stone floors downstairs (beautiful), wood floors upstairs (perfect), large backyard (for CA) with nice pavers, BBQ, and fire pit. Very attractive outside both front and back. With the exception of the floors, which are well above average, -- the rest has basic builder materials used inside (white tile countertops, narrow baseboards, wonky faux wood blinds, hollow doors, etc...). The house already has solar panels. There is nothing that's wrong with the house that requires immediate attention. I bought it as a short sale. The house is a perfect example of great bones and lots of potential, but it is definitely below the standard when it comes to improvements seen in other houses in the area. The house up the street sold for $1.2M just a few months ago. It's very similar to ours, but it is much more upgraded (except that it had carpet upstairs, which I hate). We paid $8xxK for basically the same house, however, ours has the original builder grade materials.

Assuming a person has a $75k budget, which improvements do you think would provide the most bang for the buck?

1) Bathrooms (3) have pretty basic materials with white tile countertops & showers, mildly worn cabinets, very worn shower glass. (There's a lot of hard water gunk in the frame. I installed a very nice water softening system, and I've tried to clean it, but Lime Away only goes so far.) Fans are inoperable.

2) Kitchen has mildly worn cabinets, tile countertops, and circa 2002 appliances. Everything works.

3) Window treatments are original faux wood blinds. I don't think any of them actually work right. Preference would be plantation shutters. Many, many windows throughout.

4) Mouldings -- the baseboards and door frames are very narrow. Prefer the bigger ones. We have very high ceilings throughout, so the house could handle it; also need to bring crowns into all the rooms and the entry area. A few windows need picture frames. Windows without them look unfinished to me.... AND we have this gorgeous curved window that would look spectacular with the right trim... AND it's weird that some windows have them and some don't.

5) Exterior painting -- This isn't urgent, but it's going to be time for this soon. Also, would add those exterior shutters to the little windows in the middle...

6) Heating/air conditioning system are circa 2002, but still working at the moment. (I hate this one! It's expensive and isn't fun at all.)

7) Built-in pergola in the back... Though the backyard is pretty nice, there isn't a shaded conversation area. Alternatively, we could build a balcony off the master, which would double as a shaded conversation area out back in addition to a balcony.

8) Built-in Jacuzzi in the back... I'm not really a fan of pools... Too much upkeep and I promised the dogs they could have the backyard... But the kids are asking for a body of water out back. (We have an HOA and several pools... The kids are hardly suffering.) The previous owners had apparently started the process of this, so I think the plumbing is already there.

9) Extending the pavers to the sides of the house. There currently is gravel at the sides.

10) Upgraded interior doors. It's nice to have doors that "thunk" when you close them.

11) New garage and front door. These are basic. Not bad. In good condition.... There are just much better looking ones out there.

12) New side gates (2). Some rust damage to both. Will probably become a problem soon.

13) Backyard wall. There's a 6.5-7 foot wall that separates us from the neighbors. It's white painted blocks. We either need to put in lots of plants that will conceal it, or something. One neighbor painted hers and another added some kind of stone facia. I actually have a quote on this one. My gardener said $500 to plant a fast growing, flowering hedge that would virtually hide the wall.

14) Sound system. This is another example of something that's already in place, but it's been allowed to fall by the wayside. I'm not sure what works and what doesn't. But I can see all the wiring is in place both inside and outside.

15) Converting the 5th bedroom into an open gathering space. It's right at the top of the stairs. Every other bedroom is pretty big. But this "bedroom" is kind of small for a bedroom. Currently, my son put in two lazyboys and uses it for his own personal game room. I'm thinking we could remove the closet, take the wall down to half height so you can see out onto the stairs, get rid of the door, and install built-ins to make the room an anything room. It could be a game room, study area, workout area....

I have no idea how much some of most of these items cost, but I'm pretty sure that my budget means I'm going to have to pick and choose. So, if you had to prioritize improvements, where would you start? I have no plans to sell, but you never know what happens in life, so I want to treat improvements like a business decision, as much as possible. In your experience, when you had to sell, on which improvements did you get your money back? I'd like to know going in, which ones I could expect to get my money back on and which ones I'm just doing for my own personal enjoyment (doors that go "thunk" might be something only I would appreciate). I've gone to a few open houses in the area to see what others have done to make sure that whatever I choose is in-line.

Am I better off finding a general contractor who can do it all? Or am I better off finding the "specialists" myself?

Here are some pictures to help you visualize. These are from before we bought the house, but they are mostly accurate.... Except we don't have a car lot going on in our driveway.

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20   Strategist   2016 Jun 22, 7:22pm  

turtledove says

I tend to agree. We're definitely an outlier. Unfortunately, the people who originally owned this house struggled a lot. From what I've heard, they were in and out of foreclosure for a long time before the short sale. So, I'm not surprised that they didn't do any home improvements.

That's why you got a bargain.

turtledove says

The only thing that gives me pause is how expensive bathrooms and kitchens are to do. It's like, do I want to do the kitchen and bathrooms?... Or do I want to do everything else on the list?

You may need to increase your budget. No need to rush.

21   turtledove   2016 Jun 22, 7:38pm  

YesYNot says

Is there a vent over the cook top? It's a big cook top for no vent.

Sorry, I missed that question. Yes, it has a vent. It's in the cabinet above the stove. You can see it when you look at the underside of the cabinet. Very low profile, obviously.

22   turtledove   2016 Jun 22, 7:49pm  

Ironman says

Actually, looking at your wish list, I ended up doing the majority of those in our last house? Are you sure you're not her?

Actually honey... yes, it's me. I bought a house in So Cal for you for Father's Day (sorry it's belated). There's a lot of work to do and I need you to get started right away. I've lost my cell phone, so you can't call or text me. Just post on Patnet when you're at the San Clemente train station and I'll come and pick you up. BTW, I also bought a new car... and I've had some plastic surgery so I might look a little different.... And you can't hug me because everything still hurts from the surgery. And it will probably continue to be sore for several weeks. But it's totally me.... Now get to work!

23   Y   2016 Jun 22, 7:59pm  

No.
Georgies closing down has made you cynical...

Dan8267 says

turtledove says

Thank you, Dan. We'll call that "plan B" for now.

PatNet has made me cynical.

24   turtledove   2016 Jun 22, 8:11pm  

Ironman says

make sure you have a LARGE cash emergency cushion saved up before taking on renovation projects.

I hear you. It represents half. But I refuse to dip into the other half. So, if I need to wait on the bigger improvements that's what I'll do. I think that the attic improvements are actually a really good idea. That's a savings in energy bills, and I like that. Solar panels were a great thing to do. For the entire year, my electric bill was less than $500. Prior to that, we easily paid that in less than two months over the summer. And I can't sleep when I'm hot, so I definitely need air conditioning during the really hot months. And some of you might remember Sammy (RIP). He had paralysis in his throat, so he needed a cool room... So we were always running the AC.

Quick dog update... after Sammy died, we adopted Annabelle not all that long ago. She and Buddy are great friends. Annabelle is a husky/German Shepherd mix (she's petite, so there's probably something else in there). She's so sweet. Mensa compared to Buddy (Golden Retriever). Poor Annabelle was taken from some asshole who wanted to put her down for no discernable reason... Since she was planning to put her down, she didn't see a need to feed her. So, we've been working on getting the weight back on her. Anyway, Buddy was soooooo happy to have a new best friend to play with.

25   Dan8267   2016 Jun 22, 8:43pm  

Ironman says

I've been wanting to add another 4 legged creature to the mix

No one wants to hear about your sex life.

26   Dan8267   2016 Jun 22, 8:44pm  

Xanthidae says

No.

Georgies closing down has made you cynical...

Homophobia is so pre-Orlando.

27   Dan8267   2016 Jun 22, 8:45pm  

turtledove says

Those are gorgeous. I wonder if I get enough sunlight. Do you know if they require full sunlight?

Don't know. I know nothing about gardening. There should be plenty of guides online though and the folks at home depot's gardening section may be helpful.

28   anonymous   2016 Jun 22, 9:42pm  

kitchen, kitchen, kitchen. then master bath later.

really good structure/layout for new cabs, new appliances, and tops. pay out for the nice fridge and range - wolf, thermadoor, viking, whatever. stainless hood. quartz surfaces. if you can deal with blemishes then carrara is "in" right now, but i personally get annoyed with mine due to the etching, and even chipping around the sink if my fry pan hits it while washing. really soft stuff. push the new cabs up flush to the ceiling to show off the height. those half walls on either side of the fridge and ovens close in the room too much. try to remove those if you can. colors are subjective but overall white for the primary stuff is still king after all these years. goes without saying that the flooring is in need of a refresh. wood planks or seamless tile in neutral tone to carry throughout.

from the kitchen, the rest of the effort should just flow out.

29   curious2   2016 Jun 22, 9:43pm  

The headline says "Sensible" but the suggested list seems to emphasize aesthetics, so I will offer an alternative list, free and worth every penny:

A) since it was a short sale, you might consider asking an attorney or title insurance expert to make sure your ownership of the place is covered properly.
B) since the area "is vulnerable to wildfire," you might want to check and maintain the outdoor fire protection. Specifically, that brick wall might help, and making sure you have metal soffets. Years ago, I read a highly detailed report from Florida describing why some houses were destroyed by fire and others weren't. Perimeter foliage, wooden fences, and wooden soffets were all significant risk factors, and you can easily imagine why: the fire spreads from foliage to fence, and in some instances the fence acts like a fuse leading up to the side of the house, where the fire spreads to the wooden soffet and then the roof.
C) since AF/DBOAPD hasn't commented yet, YAMS or at least sweet potatoes. You might also consider tomatoes, a lemon tree, etc.

BTW, nice driveway, light grey. If cities replaced their dark asphalt roads with light grey concrete, they could reduce significantly the "urban heat island" effect. I have actually suggested that in SF, but was told that traffic stains would not meet the city's aesthetic standards. It reminded me of why the SF Bay Bridge cost 64x more than Governor Wilson's original viaduct proposal: the excuse of "aesthetics" enabled a vast patronage network to lobby heavily for a more distinctive (and expensive) design. If you maintain that driveway color, you can accurately say you're being sensible and helping to reduce global warming by having a light shade of driveway.

30   anonymous   2016 Jun 22, 9:55pm  

turtledove says

3) Window treatments are original faux wood blinds. I don't think any of them actually work right. Preference would be plantation shutters. Many, many windows throughout.

be prepared to take a hit on this, if you want it done right. we're in a 3400 sqft house and coughed up... drum roll... $18k for window treatments. mix of shutters and roman shades. hollow-core shutters will save lots of money (they are polysatin instead of real wood).

31   anonymous   2016 Jun 22, 10:02pm  

turtledove says

My gardener said $500 to plant a fast growing, flowering hedge that would virtually hide the wall.

this is the most practical and the most pleasant.

trumpet vines:

star jasmine:

32   SFace   2016 Jun 22, 10:37pm  

I would not spend a dime other than cosmetics of a huge 2002 built home. There is no ROI. Whatever you spend is just preference.

If the home was built in 1922 and 1500 sq feet where real estate is 1K a sq feet, then yeah, plenty of ROI potential.

33   Ceffer   2016 Jun 22, 11:54pm  

In one of my neighborhoods, two out of three of the people buying renovate the houses they move into, even if the houses have already been renovated/improved. The values of the homes don't fluctuate that much based on improvements. Also, anything you improve will be considered dated in five years, and the decorators will be off on another tangent pushing a different style.

Before the 2006 crash, one house with my floor plan sold for the highest price that the neighborhood had seen. The place had already been renovated by a very meticulous couple, but the people moving in decided to upgrade the home to their taste to the tune of $250k to French Provincial and put Italian marble throughout the master bathroom.

Their fortunes turned, the market crashed, and they basically sold the home for a couple hundred thousand less than what they paid for it WITHOUT the improvements, that required them to tear out previous improvements that had already been in place.

If you think that your improvements will improve value, you have to assume that potential buyers are all going to love your taste, which they probably won't. It actually hurts to see in our neighborhood beautiful tile floors torn out for carpet, carpet torn out for wood floors, wood floors torn out for tile etc.etc.

Some people a few doors down with our floor plan spent 200k renovating the home, kept it for two years before selling. That home had also been already renovated. I actually thought about just buying their place and selling our unimproved place, because the price differential, even with real estate commissions, would not have been that great and no waiting on construction, dealing with workers etc. The location of my present house, though, is better and I prefer it.

Lately we have been getting offers to buy our home for cash at the local going rate on a monthly basis i.e. people who want to be in the neighborhood and are willing to pay any reasonable price cash for one of the homes.

Nobody believes us that there were periods in this neighborhood where the houses would stay on the market for over a year without selling at all.

I would vote for using the money to improve the curb appeal, comfort and the infrastructure i.e. the insulation and attic fans etc. Wait until you are REALLY flush to renovate perfectly respectable interiors, and only if you really think this home is your forever home.

34   indigenous   2016 Jun 23, 4:22am  

Not that you will consider it, but are you buying the building you run your practice at? You might want to save up for a down payment if not.

35   Shaman   2016 Jun 23, 6:03am  

You could stain the cabinets in the kitchen for an immediate impressive face lift. Just rough up the surface and apply three coats. Changes color to a dark mahogany. Cheap upgrade! My wife did a couple bathroom cabinets this way so it's easy enough, as long as you pay attention to detail.

36   FNWGMOBDVZXDNW   2016 Jun 23, 8:41am  

turtledove says

Not sure about the ceiling height. But I think they are 10 feet. When I stand up the ceiling looks to be more than 3.5 feet higher than my head. But, the cabinets do look short. I agree.... the taller upper cabinets would look much nicer.

If your upper cabinets are 42 inches, that's big enough for me. I don't see the need to make them go up to 10 foot ceilings.

For me, the kitchen has to be very efficient. So, the workflow has to be really good. Not just having the stupid fridge / sink / stove triangle, but things like moving dishes from the sink to dishwasher and dishwasher to putting away have to be efficient. There has to be adequate storage for things where they are going to be used. Drawers are much more efficient than cabinets with big spaces, even if there are pull outs inside the cabinet. European frameless cabinets are much more efficient spacewise than faceframe cabs. So I built frameless cabinets, and even built drawers to put under our sink and fit around the plumbing. I don't care for a pantry, but my wife likes them, so I built her one. We like a flush fridge, and it looks like you have one. But we don't like shallow fridges, so we put 30 inch lower cabinets and counter next to the fridge and 18 inch deep upper cabinets.

If you do work in the kitchen: Things I like about your kitchen are the basic layout (L with Island), plenty big, and full size upper cabinets. The sink is in the island, where it should be. 36 " gas cooktop. Things that are bad: No landing space next to refrigerator, lack of drawers, undersized range hood, terrible countertop (tile is nasty).

If that door near the fridge is important (like how you get into the kitchen from the car), I would leave it there. If not, I would consider removing it and putting in a corner pantry. I would definitely remove that double oven and replace with countertop space. If you leave the door, then remove the separator wall, so it makes a good landing space near the fridge. I'd also consider moving the microwave. If you have plenty of cabinetry (I think you do), you could put a microwave drawer in a lower cabinet, and get more counterspace (especially if you used a pantry).

I would only spend a lot on the kitchen if I expected to be there for a while and get good use out of it.

37   EBGuy   2016 Jun 23, 12:20pm  

When did Pat.net turn into HGTV (but with good advice)?
Love your posts TD, but I found your place in less than five minutes. You might want to take down the pic of the front of the house.
Will the hot tub go here?

38   turtledove   2016 Jun 23, 3:42pm  

EBGuy says

When did Pat.net turn into HGTV (but with good advice)?

I see it this way... There are many people on this site who have been watching the housing market for years. Though they may not be decorators/contractors, they have a good sense of smart improvements and improvements that fall under the category of "you better love it because no one will ever pay more for your house because of it." HGTV is a bit of a joke. If they had their way, everyone would spend hundreds of thousands of dollars improving their homes every few years. So, they are to be ignored except for the occasional good tip. JMHO. And I'm not one to think that just because I watched a show about something that it's super easy and I should go buy a wet saw and a sledgehammer. I'm comfortable with my numerous limitations.

EBGuy says

but I found your place in less than five minutes.

Why?

At least you can be my independent confirmation that I'm not misrepresenting any facts.

This might mean that I've inadvertently violated the patnet terms of service.... and we all know what Patrick does to people who violate his terms of service. The GOP convention just won't be the same without me. My advance apologies if that is to be the case. Just know I'll be thinking about you all.

EBGuy says

Will the hot tub go here?

Nah. It appears to be set up on the opposite side. All the plumbing is in front of the bushes at the edge of the other end of the pavers. I'm not sure how far away it can be built from the plumbing....

39   turtledove   2016 Jun 23, 3:45pm  

indigenous says

Not that you will consider it, but are you buying the building you run your practice at? You might want to save up for a down payment if not.

No. First, the building isn't for sale. Second, I wouldn't even consider that until we move onto the next phase of an on-site embryology laboratory and surgery center. That's a few more years out unless we go along with the investors who want to own part of our practice in exchange for doing the build-out now.

40   turtledove   2016 Jun 23, 3:49pm  

Ceffer says

Nobody believes us that there were periods in this neighborhood where the houses would stay on the market for over a year without selling at all.

It goes in waves, no doubt. There was one house that was on the market for seemingly a long time (9 months to a year)... then it sold, three more houses went on the market and they all sold within a month or two. There wasn't anything substantially better or worse about any of them. It's just the way it goes.

41   turtledove   2016 Jun 23, 4:13pm  

landtof says

be prepared to take a hit on this, if you want it done right. we're in a 3400 sqft house and coughed up... drum roll... $18k for window treatments. mix of shutters and roman shades. hollow-core shutters will save lots of money (they are polysatin instead of real wood).

I know. It's like doing an entire bathroom. But window treatments are essential. And the ones that are up now are absolutely awful. The pulls are all mostly malfunctioning, they are dreadfully heavy, so much so that the previous owners had dinged/scarred some window sills presumably slamming them down, and they look very plastic for faux wood (though they might have been nice at the time, I suppose). If I weren't so determined to get into the neighborhood so cheaply (so obviously I was willing to overlook some things), but if I were buying like a normal person and two houses were the same except for window treatments, I'd see the value in the home that had the nice ones, instantly. My mom has had plantation shutters in her house for 20 years. They still look beautiful.... and they have yet to go out of style. They are a smaller slat, but they still look very nice.

42   turtledove   2016 Jun 23, 4:16pm  

curious2 says

A) since it was a short sale, you might consider asking an attorney or title insurance expert to make sure your ownership of the place is covered properly.

Didn't the bank that gave me the mortgage already do that? I know there's a title insurance policy. I would have thought they'd be reluctant to issue a policy claiming clear title if they weren't sure about who owned what.... Perhaps you thought it was a cash sale?

43   curious2   2016 Jun 23, 6:33pm  

turtledove says

Perhaps you thought it was a cash sale?

I thought that was reasonably likely since there are so many around here and you hadn't mentioned a mortgage.

turtledove says

Didn't the bank that gave me the mortgage already do that?

The bank might have got a lender's policy that might protect the bank, but that might not protect you. Also, someone at the bank probably ticked some boxes including a binary yes/no box for the presence/absence of title insurance (at least for the bank), and someone at the title insurance company may have ticked some boxes on a screen to paste in a series of exclusions. Maybe someone somewhere actually read it, under pressure to process deals as quickly as possible, but if you read it you might find (a) lender protection without owner protection and/or (b) exclusions that might or might not matter. As the recent financial crisis showed, including the "robo-signing" (actually hiring humans to forge signatures on mortgage documents that the banks had lost or destroyed) and mass production foreclosure mills (using mail merge lists to prepare sworn court foreclosure documents against properties that didn't even have mortgages), people in that sector don't always get it right. The county bar association offers a $25 brief consultation (http://www.lrisoc.org/) or if you had an attorney for the closing that attorney can probably tell you whom the title insurance protects and what it might exclude, and whether any exclusions matter.

As noted above, if you still have a mortgage or if you rent your place of business, you might consider either prepaying some of the mortgage and/or buying the place of business in order to secure the essential places that your family depend on. For business property, mortgage interest would generally be deductible without the home MID limits, and besides if you want the home MID it would apply to a second home so you don't have to leverage your main home for that.

BTW, I had to chuckle about landtof's comments. For a guy who calls everybody "faggot", he sure sounds like a florist or decorator, and that stolen photo of you looks like he's really trying to overcompensate for something.

44   FNWGMOBDVZXDNW   2016 Jun 23, 6:55pm  

curious2 says

that attorney can probably tell you whom the title insurance protects and what it might exclude, and whether any exclusions matter.

There are probably separate lines on the HUD1 settlement sheet for buyers and lenders title insurance.

45   turtledove   2016 Jun 23, 7:03pm  

curious2 says

BTW, I had to chuckle about landtof's comments. For a guy who calls everybody "faggot", he sure sounds like a florist or decorator, and that stolen photo of you looks like he's really trying to overcompensate for something.

LOL. I just don't understand why everyone doesn't love you. You are awesome Curious! One of my favs. Are you coming to the meet-up? Remember, there's a metal detector to get into the building, so you should be safe.

46   turtledove   2016 Jun 23, 7:04pm  

YesYNot says

There are probably separate lines on the HUD1 settlement sheet for buyers and lenders title insurance.

C'mon. It's the Navy. They take care of their own brats. Right?

47   turtledove   2016 Jun 23, 8:01pm  

landtof says

goes without saying that the flooring is in need of a refresh.

I agree in the bathrooms... The bathroom floor is definitely dated... but I actually really like the downstairs flooring. The herring bone terracotta looking tile. I like it because it's different. Strikes me as true to the style of the house. I guess I see it as a feature. The 0-grout line travertine is nice but everyone has it. It's similar to the granite. Granite is very pretty. I like it. But everyone has it. I'm just tired of seeing it. I'd be more inclined to leave the existing downstairs flooring and go with quartz for the counters.

48   curious2   2016 Jun 23, 8:45pm  

turtledove says

One of my favs. Are you coming to the meet-up?

Thanks, I feel the same about you, but I hadn't planned on going to the meet-up. Anonymity is one of my favorite features of PatNet, because it allows more candor. If Facebook is the social network, PatNet is the anti-social network. As Patrick wrote of Facebook:

rando says

People don't feel they can say what they really think, not even in a polite way, because it gets back to them in the real world.

The people I know who spend too much time on Facebook "Liking" all their "Friends" tend to get anxious that expressing one unpopular opinion might result in exclusion and having no "Friends." Patrick got unfriended on FB for telling the truth about Islam, for example, and I have experienced similar results IRL for the same reason. SF is a very PC town, so it's best to compartmentalize worlds.

49   turtledove   2016 Jun 23, 9:43pm  

curious2 says

Thanks, I feel the same about you, but I hadn't planned on going to the meet-up. Anonymity is one of my favorite features of PatNet, because it allows more candor. If Facebook is the social network, PatNet is the anti-social network. As Patrick wrote of Facebook:

Alright, I get it :(. Well, if you change your mind, email me... We'll even bring the meal to you.

50   anonymous   2016 Jun 23, 10:47pm  

turtledove says

But window treatments are essential.

indeed. if the designer knows their stuff then the coverings will absolutely help resale, because luxurious coverings are one of those elements that really make the house look and feel beautiful. if you have a lot of windows, you need to contour all of that natural light.

turtledove says

The herring bone terracotta looking tile. I like it because it's different. Strikes me as true to the style of the house.

it fits spanish colonial, but it's hard to build off of. the oranges and the yellows, warm tones, etc. are definitely from 90's and 2000's and so you may be limiting your audience with that. but it's not impossible - keep the walls and pretty much everything neutral and/or bright. a lot of the homes from last decade went too rich and too dark on the interior with all of that orange tile.

51   anonymous   2016 Jun 23, 10:51pm  

curious2 says

BTW, I had to chuckle about landtof's comments. For a guy who calls everybody "faggot", he sure sounds like a florist or decorator, and that stolen photo of you looks like he's really trying to overcompensate for something.

don't be such a faggot.

52   Ceffer   2016 Jun 23, 10:57pm  

It really doesn't sound like you want to be absolutely "sensible". You have worked hard with sacrifices, so maybe you should just consider it "mad money" and spend it on the house in the way that gives you the most enjoyment.

Sometimes, deferred gratification is a bitch, and having a fling can be a good mental health move for somebody who actually knows how to scrimp..

53   turtledove   2016 Jun 23, 11:14pm  

Ceffer says

It reall doesns't sound like you want to be absolutely "sensible". You have worked hard with sacrifices, so maybe you should just consider it "mad money" and spend it on the house in the way that gives you the most enjoyment.

Sometimes, deferred gratification is a bitch, and having a fling can be a good mental health move for somebody who actually knows how to scrimp..

I think I defined what I meant by "sensible." None of this is truly sensible. The truly sensible thing to do would be to invest the money... But you are right that I'm getting squirrely now that the pressure of the last few years has gone down considerably. I want to do something fun... By sensible, I just meant as sensible as these things go...

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