Home Renovation. Thursday , September 13th , 2018 - 11:51:12 AM
Self-Financing - This option makes sense for smaller projects. It is also a feasible option for do-it-yourselfers on a pay-as-you-go (or pay-as-you-build) plan. Credit Cards - Charging large expenses to a credit card is an option, but not necessarily a good one. With their higher interest rates, credit cards have limited value in home renovation projects, and can be damaging to your financial health if there are unexpected cost overruns. (A do-it-yourself installation of a tub surround in your bathroom can turn expensive if your plumbing skills are not as honed as you would have liked them to be and you notice water dripping through your living room ceiling!)
So how does the average homeowner know if there are maintenance renovations that require attention? There are a few ways to find out, and sticking your head in the sand is not an option. That would be akin to not going for a regular check-up at the doctor or dentist - if no-one tells you there's a problem, then there is no problem, right? Wrong. The first thing to do is to call upon your gut instinct. You probably have a suspicion if the electrics might be an issue (there's a spark when you plug appliances in, for example), or if there's damp in the basement, or if the attic insulation is insufficient; after all, you're the one who lives there. Take a look around the outside of the house for any signs of worsening damage - are cracks bigger than you remember them? Does the roof look patchy? Do you have an effective water management system - one that drains run-off water away from the house foundations?
After you get a list made and find out what funds you have available. Consult a renovation contractor. He will go over your list and of wants and needs and most likely do his own inspection of the areas that you want renovated and give you suggestions in the areas that should be renovated first. Your home improvement contractor will make a bid most likely on each item on the list and bundle it with a total renovation cost. When you get this bid take your time and decide which items that should be done first incase the funds run short. With a bid from a license contractor your bank may loan you the extra you need to complete your home renovation needs. There is actual grants through the state if you qualify you could receive a low interest loan. Some of these loans are like one percent. Most likely the County Treasures office can tell you where you can get a grant application.
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