Go to Disney or a new roof? LOL!

[bdiddy]

We've been planning to go on our first trip to Disney for almost a year now and are super excited. I've been obsessively waiting for free dining and doing as much research as I can. Our 4 yr old talks about daily and we have almost everything planned.

So....last night some shingles blew off our roof and we had a bad leak in our attic and the ceiling of our son's room. The insurance company is already trying to fight paying it.

I told my husband - there goes our Disney trip and he says "We are going no matter what! We'll take out an equity loan if we have to to pay for the roof if needed".

I just don't know if that is such a good idea!? We've worked so hard to get out of debt. I don't want to give up the Disney trip but we could put it off for another year and avoid the debt. I just don't know what to do!

 

[cjstarr]

We've been planning to go on our first trip to Disney for almost a year now and are super excited. I've been obsessively waiting for free dining and doing as much research as I can. Our 4 yr old talks about daily and we have almost everything planned.

So....last night some shingles blew off our roof and we had a bad leak in our attic and the ceiling of our son's room. The insurance company is already trying to fight paying it.

I told my husband - there goes our Disney trip and he says "We are going no matter what! We'll take out an equity loan if we have to to pay for the roof if needed".

I just don't know if that is such a good idea!? We've worked so hard to get out of debt. I don't want to give up the Disney trip but we could put it off for another year and avoid the debt. I just don't know what to do!

Putting it off for another year is not your problem!!!
It’s disappointing your 4yo that is your problem.
How can you tell her that she is not going to Disney World now?
You might ask how I know these things!!!
I have a 4yo that will be 5 tomorrow and this is all he has been talking about ever since he could not figure out why he is not in any of the photos that we took on our last trip.
That was in 2001, so we will be going at all cost!!!

 

[tkoran]

We just had an estimate for new shingles for our roof last night and it is going to cost as much as our trip (around $4,000 including airfare) and because it is normal wear and tear, it's not covered by insurance. DH is a bit concerned about it, but I have had this in the planning, thankfully. We are not going to WDW until December. By then we should have had the roof paid off for awhile and some money put aside for the trip. I got the Disney Visa so we could put the vacation on there and use DH's work bonus in February to pay it off. It would be better if we had the money in advance, but if we wait any longer it would be another year before we go, if ever so I decided to just keep our plans.

 

[Jrabbit910]

It sounds like the roof needs to be fixed as soon as possible. No matter what path you take (disney trip or roof) you still have to save money for one or the other. If your gut is telling you to wait then wait but it also sounds like your family wants this trip more then anything. Go have a good time & think no matter what money was going to be shelled out anyway! Good luck w/ both situations.

 

[scooby9932]

Oh, I'm so sorry to hear about your roof problems. I've got you & yours in my prayers.

I know how it feels to have something like this pop up & threaten your Disney plans.

We're leaving in 27 days for a much anticipated trip. Just 2 weeks ago a 300+ yo oak tree fell & hit my car & crushed the roofline above my bedroom. It was a scary 2:30 a.m. wakeup call I'll tell ya.

Luckily, part of the tree limb was curved & just sort of smushed the top of the car instead of completely crushing it. Don't you know I just paid it off the month before? It ended up looking like the tree had swallowed my car. Well, it's in the shop getting fixed now and I'm working on getting bids for the roof repair. Should have someone within the next few days.

Luckily, insurance covers most of the damage: The car? Check (minus $500 deductible-ouch). The roof? Check. The removal of the monstrous tree? Nope. $4000 to get the thing off the car, roof, and out of the yard. Not to mention the torn up gas line, water line, and downed power lines. Whew! It's been a hectic few weeks. And the money drain has been difficult.

But whenever I start to feel down & depressed about it all, I spy my Disney binder & cheer up immediately!

Best of luck!

Scooby

 

[DizzDoll]

A nice stay under a Disney roof will do you the world of good.

 

[Kaler131]

Could you re-work your Disney budget so that you can do both????

 

[postesf]

DISNEY!!! You will have to do what is best for you, but if you do have to take out a line of equity, the good thing is the interest is tax deductible!

Good luck!
Stacie

 

[bdiddy]

The adjuster is coming out next week so keep your fingers crossed the insurance company will pay for it! They were just making comments on the phone about the age of the roof. Maybe we'll get lucky and a patch job will fix it for now and it won't be that much.

DH tells me to stop worrying that we are going for sure no matter what! I just don't want another loan hanging over my head after we've worked so hard to get rid of them. I just can't imagine giving up our trip though!!

 

[mel&me]

Do what's best for your family.
I go to disney just about every year. This past year we did not go because of work on the house. But on another note, weighing in the disappointment factor to your daughter, Makes it very tough not to go.
What ever you decide I am sure you will come out whats best for the family.

 

[fivebyfive]

I'm just laughing at the title of this thread!

 

[dvczerfs]

i would throw a tarp over it and go to disney!!! but thats why my dw takes care of the finances. i couldnt make it with out her!!