Our neighbors have taken out a home improvement loan and will be replacing the fence we share. They've asked if we would pay for half of the fence we share, which would be about $1,000 out of our pocket. We can't do it right now. We could scrape the money together, but it'd made the next few months really hard. We had things planned for this summer. We have DS's b-day party, we wanted to get away for a long weekend and take DS to an amusement park and science museum, and DS will be needing school clothes for next year. We'll offer to make monthly payments to them so that they'll get the $1000, but the lump sum isn't happening. So, I get to have the awkward, "Hey, we're losers and can't cough up $1,000 right now," conversation with them. I should tell them getting any $ is contingent on their their dog not pooping in our front yard anymore - disgusting!!!!!!!