Well congratulation .. getting ready to pay off our two houses and tentative drawings for building a new one with an uipstairs master bedroom with a balcony - deck overlooking the pond. Need some place to have coffee and watch the sun come up while everyone else gets ready for the work day. And I'll still be ordering those $8.50 oil filters.

EDIT:
Oh wait just a D*MN minute.. are you trying to say it's not a matter of being cheap.. but a preference of where to spend your money? Sounds like we might be heading to neutral grounds!