Well it looks like I am upon one of those major crossroads in life.
I investigated into my septic system further this morning and the worst casr scenerio is apparent now - the drain field is plugged. Well at least the pipe from the tank to the drain field is which means the whole thing is likely toast.
I had this vision of finishing off the mortgage (23 months to go) then start fixing the house up as we could afford it. Now it looks like I'm not going to make that. I hate going to the bank with a passion. Don't know why - just being stubborn I guess. But it looks like a home equity loan is in order now. Now have a lot of thinking to do - weather to borrow enough just for the septic system or go all out and get all things this house has sorely needed for many years like bathroom and kitchen redone.
Grrrrr - and we were just about to see some light at the end of the tunnel......