history: We used some of the money we'd set aside for my son's college to fix our hot water heater.  We're trying to repay it monthly til it's replenished. We used some of the money we'd set aside for our son's college fund to fix our hot water heater.
current: Oh, that's a terrible problem!  That's the only time I don't envy homeowners!  I could not afford that at all.  
next: Yes, these are the times I miss renting so much!  We're trying to repay what we used monthly til it's replenished.