GravitySucks
Thinks s/he gets paid by the post
Home improvements so far have been low enough that it's met less than a years budgeted expense every year. Next year is a new roof though. If it causes a bump to the taxes I may see what loan rate I can get. If it's a low enough I'll pay it off over 3 to 5 years. That's if the tax hit would be more than the interest hit.
I did get a car loan last time. If a loan rate is less than expected inflation it's pretty much a winner in my book. That rate and keeping me at the 15% tax bracket that year made the loan a great way to go and it matched the budgeting, but I wouldn't do it just for the budget matching. If money gets expensive again I'll pay the taxman instead.
I expect some years will be over budget, like next, and some will be under budget, like this year.
I did get a car loan last time. If a loan rate is less than expected inflation it's pretty much a winner in my book. That rate and keeping me at the 15% tax bracket that year made the loan a great way to go and it matched the budgeting, but I wouldn't do it just for the budget matching. If money gets expensive again I'll pay the taxman instead.
I expect some years will be over budget, like next, and some will be under budget, like this year.