Yeah, okay, that sounds good... not! LOL!
That's my modus operandi--save for something rather than finance, although I did take out a small loan for the foundation repair. It was a weird loan because of the value of my house, and they would only pay one contractor. So I had them rewrite the bid for a couple thousand more so I could do the other stuff I needed, like gutters on one side (did the other side last year), some soffit repair, and the door. That leaves my meager budget for "fun" things. I could stash it and wait longer, but I'm already paying interest on it, so I need to find some other house-oriented thing.
I did manage to destroy the guest bath vanity when I changed the faucet...