We started remodeling our home when we brought my invalid mother-in-law to live with us. A few months after bringing her in my husband lost his job which put the remodeling on hold and leaving us without health insurance. I went to work for a time but still no health insurance. My husband got a contracting job but still no health insurance. Soon after I was diagnosed with breast cancer and had to deal with that for a few years. Again remodeling was not our main concern at this point. After a few years my husband finally got a job and now the kids are in college which means remodeling is still on hold. In the meantime, the house has been getting worse and worse. Our remodeling consisted of tearing out the yucky carpet (now we are living on concrete) and removing the old cabinetry in the kitchen (we have a used commercial sink and counter top). Can't get a home improvement loan since housing prices have gone way down and they would need to do an inspection in order for us to get that loan meaning we wouldn't get the amount needed to finish our remodel anyway. I have access to about 11,000 dollars in a Roth IRA and wonder if there's a way to get the things done on that kind of a budget. I physically can't do the work and have a part-time job but that pays for the kids schooling. My husband has a full-time job now which has health insurance (thankfully) but doesn't have the time to do the work and really isn't able to. We're both in our 50s and not in the best of shape health-wise. My brain is not totally the same since going through cancer either. I am an organizing freak but the house has become so out of control and I don't have skills with designing a kitchen or room.
Thanks for listening to my story and I would love to hear any comments on how I could get a new kitchen, painting done, flooring, and fix my pool on an $11,000 budget.