JJ, we went through a phase recently of getting quotes for all sorts of home renovations which we think we badly need...then decided NO, we don't want to borrow money. So instead we made the modest choice of simply replacing the toilet (!) and will work through our list of needs/wants one at a time as we can pay for them. Hubby and I feel happy with this decision but the no.2 son is still nagging for a billiard table (and a room to put it in!) [Roll Eyes]