Hello my fellow MMMers! I started a thread inquiring about a new roof about a week ago and after four estimates, the verdict is in....this new roof is going to cost me some money! The company I want to go with quotted me with an $11,300 estimate, which is right in the middle compared to the other 3 contractors. So my question is how should I pay for it? I have $11,500 in my emergency fund and I don't really want to get a personal loan. I don't have 20% equity on my FHA loan just yet so a HELOC is out of the question. So should I deplete my emergency fund or take out a personal loan at 8.99% (USAA). What would MMM do?