Kleine Hexe (I love that name, are you german?)...that is a tough call and I understand your desire to get--and stay!--out of debt. Unfortunately, in my world, using the cc's is a reality with me going to school, my dh soon to be a student and only one income
Anyways, yours sounds like a neighborhood problem. Did you really ask your neighbors to contibute to the road expenses? Or were you just hoping they would offer? Maybe if you explained the dog delemma as well, more would offer money to the road maintenance and you can put that toward the fence. Also, I would ask myself, before building if you could possibly save for it, if so, how much longer could you live w/out? Is there some job you or your husband could do on the side to earn the money for some or all of the fence expenses (ie--weekend catering, or some other such thing)? Is there anyone qualified to build the fence for you that would welcome some sort of trade (my midwife was going thru a divorce that she could not afford, so she babysat for the lawyer in exchange for the fees, granted, it was a LOT of babysitting!)? If none of those ideas would work, then, is there anyone that would loan you the money at a low, or interest free rate (ie--relative)?
Don't know if any of those ideas would help or not, just my 2 cents.