I tried to get a homeequity on my fully paid for farm but thanks to my ex & the fact my name was still on the home loan I walked away from & he let it get into foreclosure, I couldnt qualify because of him.

The good thing is that in the long run I borrowed money I have availsble on a life insurance policy & can just make the interest payments. Yea, my daughter will get less when I die but the value of my farm will be greater.

Its irritating but I actually came out better off with less REQUIRED payment amount.

I avoid paying interest when at all possible. Big items I always put on 12-18 month pay without interest & make sure its paid off so I dont pay interest. They hate that I do that as they make no money off me but after living with a finabcially irresponsible H for so many years, being responsible feels GOOD.