if i was you, i would start eating less, wear same clothes and drive less, perhaps sell a car (if it's exotic enough) and buy a cheap one.

But I would hope you're able to recognize the difference in yourselves from the typical American who doesn't know what they are missing out on by spending their money on cars, lattes, clothes, and cable.Please, read the things I've said or take the time to listen to the podcast before casting assumptions on what I'm saying.

Kinda debt snowball in Dave Ramsey style.

If you haven't watched American Greed, it episodes depict Bernie Madoff style rip offs (https://en.wikipedia.org/wiki/Bernard_Madoff).

Vary the style of boards.

There's lots of styles.

I did pay 1/2 point for the line annually so one of my 5 mil lines I cut a check for 25k at renewal. then only paid interest as I put it out and it was bank rates  5 to 6% in those days... so not sure what they are promising the institutional investors.. but those who were my competition back in the day and could not get bank lines like I had  ( 20 mil) they would raise funds PPM style paying 9 to 12% and when the worm turned they got killed. 

There are local buy/sale sites where folks sell stuff like furniture, cars, baby clothes, etc. 

In Chicago, probably somewhere between $30-80/sf, depending on specific location, types of contractors, whether you self manage or not, level of finishes, time of year, style of house, specific scope of work, etc. 

Some styles looks close to real wood plank.