A neighbor of mine has a mini-van in excellent condition that he wants to sell.  He approached me today and said he's been wanting to talk to me about purchasing his van. 

I've been doing maintenance at my complex for 30 years and for the last few years have been using my '89 Bonneville to do it.  The seller and I have known each other for years so I knew there was a "reason" for this conversation.

Later, as I was cleaning up around our dumpsters I got to thinking about it.  I've been living as a pauper for years but I'm sitting on $80,000 of home equity.

I applied for a home equity loan today and have been approved for $25,000 to $40,000 line of credit.  I will be driving that van, have my credit cards paid off and pay off Uncle Sam for the taxes I'll owe him on 4/15, all within the next 30 days.

Good times.