I have never borrowed during my build.... I live in Hawaii, (also debt free, and it feels great) so it was not necessary to live in it during the winter. I did not need to rush.

The best thing about living in a log home is when there is some kind of weather or wind going on outside... To hot, go down stairs.. The hottest its ever been in my basement is 69 degrees. To cold, go up stairs or bake some cookies or start a fire... My rather primitive fire place (it will be replaced this year) will heat the entire upper two stories very fast and can get overbearing.

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