OMG! I truly understand! We've been living here since '98, and we're still fixing up. We had major kitchen floor damage because of termites. Our floor literally dipped in the middle because the beams under were so bad. Just had to have our septic tank replaced this year because it was a metal tank and not up to code. Yep, homeowning is a scary thing! I still say it beats renting. I just feel that is money you're flushing down the commode. I know people who are paying only a few hundred dollars less per month than me and they are only renting.