For the last year, I have slept on a rather uncomfortable sofa bed in the small sitting room of our cute but compact cottage . Upstairs there are two very good sized double bedrooms . 1 is home to a nice king sized bed and my lovely son . The other is the master bed which is a lovely room with a super king bed but unfortunately I can’t use that room because DH sleeps in there and I cannot share a room with it. He’s too noisy and stinky and too fat for nookie so I simply camp on the sofa bed now. I have slipped discs in my back , a hip problem, a neck issue and suffer from some quirks of the hormones so I’m always bloody tired and in pain . I want convert the loft and go up there, it’s big enough for me to have a bed, roomy enough to bring my office/ studio in from the shed and generally give me a decent quality of life back. DH is not willing to help stump up the cash though and moving is not an option .so do I just borrow this money for my sanity?