Whatever we could do, it could always look better if we spent more money on it. There's no limit to what we might spend, is there? Well, there is. If we spend more than we have there will be no happiness, except for the bank when we default.
You have a budget, you agreed the rules. You both should stick to it. More debt will bring more unhappiness and you might as well bite the bullet now as face worse problems later.
Here's a pic. of houses in the next village to ours. Yes, they are falling down. They look worse close to where you are able to see through the gaps in the walls the lack of furniture and other facilities. Their kitchens are woks on gas burners outside. No laminate, let alone granite. Their toilets are French style squats with no running water. Many people out here have no choice but to live like that. I complain about our chicks' temporary coop but it's better than quite a few homes around here, at least to the extent that the mosquitoes don't get in every night and bite the sleeping young ones.
Many country folk in Thailand are rice farmers and the water agency has just told them to expect water for only one crop this year instead of the usual two. There is no welfare state here. The income from two crops doesn't provide a standard of living anything like Westerners demand as a right. Half the usual income will force many to catch flies by fluorescent light at night so that they can have some protein with their rice at breakfast. But they smile and chat as if their lives are perfect. Perhaps they should strive to break free from their poverty but then they would be as debt ridden and employer, tax man and bank loan driven as many Westerners - and no longer smiling and no longer caring for each other.
Tell your husband about this and suggest to him that he gets his priorities right.
I'm sorry if this reads like a rant and I really am on your side! I despair at the never ending drive for more that has infested the West for too long. A few months in a traditional village here would cure anyone of excess materialism and the 'keep up with the Jones's' disease. Send him over!
I hope that everything settles down for you. It would be such a pity if your joint project led to serious domestic disharmony. Building just aren't worth that. Good luck to you.