Category Archives: Home Improvement

Fancy A Dream Home Get A Home Improvement

Guess where most people spend their time well it’s their home. No wonder that people would like it to be perfect. So would most of the people as well. A perfect home depends on how an individual wants it to be. Perfection varies from individual to the other.

Most people love their home that’s why it should be perfect in fact it should be reflection of perfection. If you love your home as well than it should be as you want it to be not as it is. If that is the case with you and you want your home to be your paradise but you cannot afford it then a home improvement loan can help you in your quest.

A home improvement loan is basically a loan offered to people who want to make major or minor changes to their home. The changes can be major or minor. Examples of the changes are

o Adding or renovations of new rooms

o Central heating

o Landscaping

o Adding of luxuries like fireplaces or swimming pool

o Plumbing roofing or safety repairs

It could be a minor change or a major change which can completely turn around your home. A home improvement loan offers you an opportunity to make that improvement to turn your home into a dream home.

There are various ways by which an individual can go for a home improvement loan.

Secured home improvement loan in this loan the borrower provides a security to the borrower. The security could be any thing either a car or any other asset of the borrower.

Home equity is another type of secured home improvement loan where the security provided by the borrower can be only his home for which the loan has been taken.

Home improvement is basically an equity loan where the security is essential for the borrowing of the loan. However if the loan amount is under £10000 then an unsecured home improvement loan can be borrowed. An unsecured home improvement loan does not require the borrower to provide any kind of collateral to lender. These loans therefore carry a little higher rate of interest (about 1% – 2%) then the secured loans. This is the result of lender covering up for his risk factor. The usual interest rate is around 11.4% (variable)

Everyone in this world has home even people with bad credit history,
People like, CCJ’s, defaults, arrears, late payments or people who have previously filled for bankruptcy. A credit score is given to all UK people who have previously taken loans. A score of below 600 is the one which causes the bad credit history. A home improvement loan is now available to these people as well.

Applying for loans is easy all the people who want to get the home improvement loan need to do is go online and fill in their requirements after they have found themselves a lender. If approved they will get the loan very quickly.

There are other benefits of home improvement as well which many people do not know about.

o If you go for home improvement it increases the value of the home which helps the owners when the owner wants to sell the house. It often helps in getting a better deal for the home as a furnished home would fetch a better price then an unfurnished one.

o For most people pride is the most important thing and a dream home would be the thing that provides that pride.

o For people with bad credit history it is an opportunity to improve their credit score if they follow the repayment plan as it should be

A home can be the best place to be once you come from your work if it is properly maintained. A poorly maintained house is no good to anybody so a home improvement is an absolute necessity. A home improvement loan is designed for people who are not financially capable of going for home improvement with several benefits by keeping the borrowers financial capabilities in mind.

Home Improving while Budgeting

As we all know, budgeting and home improvement does not always go together but this article will give you information that could help improve your home and still save a little money.

Home improvement projects regularly scare people off, because many judge that they will pay thousands of dollars to alter one room, because they do not have the skills to do the job them self. They may also feel that the job is costly because supplies and tools are needed.

To the contrary, home improvement does not have to be costly at all. Of course, if you hire a subcontractor or contractor to do the job, you will pay a fortune, but if you have patience and the ability to read and stick to the directions, then you can renovate an whole room in your home for fewer than a hundred dollars. Of course, you will need to change and correlate materials.

Before starting the procedure of improving your home, you will need to system of funds and a schedule to get started. You will need to ponder various notions when considering and preparing home improvement. For example, do you plan to paint your home? Do you plan to tile your home? Do you want carpet in your home?

Going through the final part of this article, you will see just how important budgeting and home improvement can be done which will help save you money and improve your home.

Asking questions is part of analyzing and preparing for home improvement. One of the best tools to have when considering home improvement is calculating what you like and calculating what you want. When I improve my home the first thing I do is explore my mind searching for favorites and what excites and appeals to me. Thus, when I go to the home improvement warehouses, I already have in my brain what I am ready to purchase, therefore this relaxes my quest to improving my home.

If you are short of funds to improve your home, then setting up a financial plan will help you get what you want as well as put away some cash for a rainy day. You may even think about purchasing equipment and tools for home improvement at the companies that propose lower prices and/or purchases with no payments until a particular date. This notion will give you time to get your home better while putting away the currency to purchase the improvement equipment and tools.

Unfortunately, many people go for another home loan to enhance their home. Receiving loans from lenders regularly lead to debt, and home loans for improvement only leads to paying off your home twice. Thus, elude high interest rates and loan payments and learn to plan your finances to improve your home.

Let me give you a general view of what one area could cost you for repairs. Say you want to paint a specific room in your home. You will need plaster, sealers, primer, paints, paint thinners, scrapers, screwdriver, paint opening (often come with paint purchases), patches, paintbrushes, tray, and so forth. Now you may think this will cost you a lot of money to improve your home, but to the contrary, you are wrong.

The paint and tools will cost you the most, while the other items will be priced less; thus, primer, sealers and plaster be priced around fifteen dollars if you go to the correct store.

Paint thinners, trays, brushes and screwdriver will cost around fifteen dollars if you go to the right store. Thus, the patches should be purchased with a plaster kit, which will salvage you a few pennies. The paint will cost around twenty dollars per can, depending on the kind of paint purchased. Therefore, for around a hundred bucks you could alter a room in your home lacking hiring anybody to do the job providing you stick to the instructions.

What about the bathroom, can you alter the room on a financial plan? It depends on the range of the area, but if you are yearning to tile your bathroom and paint the walls you could get the job done for around a hundred bucks give or take. If you go to the correct home improvement store and know what you are doing, you could remodel a small bathroom or average bathroom for around fifty bucks.

Learning to create a financial plan and prepare for home improvements can help you to remodel your whole home (if the home is in good standings) for a few hundred dollars. Furthermore, completing the work yourself, you will recoup you thousands of dollars.

DIY Home Improvement Ideas

DIY Home Improvement Idea #1

Install handmade shelves. Rather than purchasing typical cookie-cutter shelves, consider visiting a local craft fair or woodworker for customized shelves. Everything from style, color, design and cutouts can be customized with handmade items. Shelves are ideal for storing tools in the garage or knick-knacks in the family room.

DIY Home Improvement Idea #2

Replace vinyl flooring or install new tiles. These days, convenience is everything. It’s easier than ever to replace vinyl flooring or install tiles with simple self-adhesive backing for easy placement. This will literally give you a new floor surface within a few hours.

DIY Home Improvement Idea #3

Install carpet. Before making a purchase, be sure to measure the area that you need to carpet. If you need to cut carpet, it’s not a problem and special cutting tools can be purchased at any home improvement store. Simply roll it out and secure it to the floor for an easy DIY home improvement project.

DIY Home Improvement Idea #4

Install a ceiling fan. Not only will this add beauty to the room, but it will also help to circulate the air. Just be careful during the installation process and when climbing up or down a ladder.

DIY Home Improvement Idea #5

If you are a big fan of wallpaper, then you already know that it can start to peel from time to time. It’s inevitable. At some point, wallpaper will need replacing and it’s arguably one of the easiest home improvement projects that you can do. Wallpaper is sold at any home improvement store and can be cut to fit any room in your home. During installation, be sure to smooth the paper as you go in order to avoid bubbled areas.

DIY Home Improvement Idea #6

If you like the idea of sitting out on the porch or deck and watching fireflies light up in the night, consider adding an outside addition to your home. Plans can be purchased online or at some home improvement stores, along with the materials needed to complete the job.

DIY Home Improvement Idea #7

Painting your home, either inside or out, is a very popular way of improving it’s overall appearance. Always be sure to read the instructions and use paint in a well-ventilated area.

DIY Home Improvement Idea #8

One of the more sensible DIY home improvement projects includes the installation of a dusk to dawn lighting system outside of the home. This type of lighting will automatically turn on if there is any movement outside of your home and is ideal for anyone, whether you live out in the country or in a larger area.

DIY Home Improvement Idea #9

As winter time rolls around, many people begin to consider replacing their windows to ensure that they are protected from the elements. Many people think of windows as simply something to look through but, in fact, they are much more than that. Windows can actually help to keep warm air inside your home and the cold air out during those harsh winter months, which will make it more comfortable for your family and also your wallet where heating costs are concerned.

DIY Home Improvement Idea #10

Install wall paneling. If you don’t like the idea of painting or simply prefer the look of paneling, a visit to your local home improvement store could be the answer to your next DIY home improvement project. Wall paneling is sold in sheets, is pre-cut and ready for installation. All you need to do is place it in the desired location and secure it.

Home Improvement And Repair Projects

The popularity of HGTV (Home & Garden Television) has created a
thriving market in do-it-yourself home improvement and interior
decorating. All sectors of the home improvement industry have
benefited since HGTV started airing in 1975.

The real estate boom was followed by a home improvement boom.
People would buy a old house and want to redecorate the house
from floor to ceiling. People who had lived in their houses for
a while wanted new kitchen cabinets. The home improvement shows
were an impetus for a massive movement by homeowners to start a
remodeling revolution

The home improvements that people take on include makeovers from
the attic to the basement. They perform functional repairs like
fixing a leaky roof, replacing windows, and adding more room to the
house. Then there are the projects that are just for the
beautification of the home like updating kitchen, remodeling a
master bedroom.

Some people use home improvement as a creative outlet. They paint
and redesign just for the satisfaction of improving their living
space. HGTV has been a large contributor to the home improvement
revival.

HGTV reaches 89 million households every week and over 800,000
nightly prime time viewers. The format of the show has been copied
several times and spin offs like Trading
Spaces, Extreme Makeovers. Viewers sit for hours watching
“Design on a Dime” “Devine Design”, “Landscapers Challenge”.
The home improvement shows just keep coming.

HGTV provides instructions for thousands of home improvement projects.
They provide video clips for everything from garden projects to
constructing a bed. HGTV is the one-stop resource for finding anything
you need for expert help with “doing it yourself” projects.

HGTV makes home improvement look easy and fun. HGTV gives viewers
new ideas and inspires the week end warrior to do some type of home
improvement project. HGTV mission is “to provide ideas, information,
and inspiration for decorating and home improvement”.

The impact that HGTV has on home improvement can be measured in these
statistics.

  • Furniture sales grew by 75%, between Between 1995-2005

 

  • Sales of home furnishings increased 97% in this same period.

These items included soft goods as well, carpets, lamps, area rugs,
linens, glassware

People all over the country are decorating their homes to look like
these superbly beautiful fantasy creations that they view on HGTV.
If you are not a “do it yourselfer” you can just imagine the way your

home might look when you go on tours of million dollar home all
across the country. You see people who look like you making grand
improvements to shacks that end up looking like your dream home.

HGTV has had a dramatic impact on the home improvement industry
because HGTV appeals to the age group of people who have the money
to pay for major home improvement projects. The demographics of the
typical HGTV is a female age 35-64 years old. Over 70% of HGTV
viewers are females.
That means that the female viewers are encouraging husband, fathers,
brother to do the work so they can enjoy the benefits.
The additional general consumer demographics for home improvement by
female indicate:

  • They shop more often

 

  • Visit more stores

 

  • Spend more than the typical shopper

The target demographic for the Do It Yourself Website is:

  • Homeowners

 

  • Ages 25-54

 

  • Incomes of $60,000

 

  • Internet access

 

  • Propensity for home improvement

The home Improvement Research Institute studies show that both men
and women are active participants in the planning of home improvement
projects as well as the purchase of those products used for
improvement.

Easy Home Improvement Projects

Would you like to live in a new home? A home improvement project can be an easy way to change the look and increase the appeal of your home, make it feel like new. Below are five very easy ways to improve your home and increase the value at the same time. Home improvement projects do not have to take a lot of time or money to make your home look better.

Easy Home Improvement Project – Kitchen

Paint the kitchen cabinets. An easy kitchen home improvement project that most anyone can do is to repaint the cabinets. A dull, lifeless kitchen can easily be brought back to life by a new coat of paint on the cabinets. Select a bright, crisp color and a new coat of paint on the cabinets will change the look of the kitchen. It will look clean and fresh. With the sharpness of the new paint, the kitchen will appear and feel larger. A light, bright color seems to expand the feel of the room.

For a finishing touch that will complete the cabinets in your kitchen home improvement project change the hardware. Cabinet hardware can become dull and worn over a long life of use. Changing the knobs and handles will drastically change the appearance of the cabinets and give the kitchen a newly remodeled look.

Easy Home Improvement Project – Flooring

Replace carpet flooring. Old, worn carpet is thin, hard and makes a home look dirty and dungy. Replace old carpet with new in your next home improvement project. New carpet adds a soft touch. It looks good and insulates to some extent. If you have a limited budget, purchase good carpet padding and an inexpensive carpet. The result will be a thick expensive feel.

Easy Home Improvement Project – New Faucets

Change the faucets in the kitchen and bathroom sinks. Old faucets dull and wear with age. Replacing faucets will give the sink a fresh new appearance.

This home improvement project is much simpler that it may sound. You can hire a plumber to install new faucets or you can do it yourself. Nice faucets can be purchased at your local hardware store, along with proper plumbing supplies that are quite easy to install.

Easy Home Improvement Project – Painting

Paint the exterior and the interior of your home. A fresh coat of paint is a simple home improvement project that will give your home a new clean look. The exterior appeal will look inviting to visitors and the fresh new interior will make them glad they entered. This is a relatively inexpensive, simple home improvement project that you can hire done or you can do it yourself.

Easy Home Improvement Project – Driveway

A very easy home improvement project that will add a new look to the exterior of your home is to pressure wash the concrete driveway. Over the course of a short season, a concrete driveway will get dirty and grungy. Simply rent a pressure washer and wash the driveway. The process is not hard but it is a slow process. The result will be worth the time. The concrete will look like it has been recently placed.

Tips for Home Improvement Home Equity Loan

No one will argue that increasing the value of your home through home improvement projects
is a great idea. However, large home improvement projects can become quite expensive. Home
improvements lighten your wallet and empty your savings account. Careful planning and
thinking about all your financing options is necessary before beginning your home
improvement project. Below are a few tips for home improvement home equity loan financing to
take into consideration.

Home improvement home equity loans are becoming one of the most popular loans when it comes
to home improvement. Because the interest is deductible from your taxes, It’s a viable tool
for borrowing money. Interest rates on home improvement home equity loans are usually lower
than the interest rates of other types of loans. Another good thing about home improvement
home equity loans is that they are fairly easy to get.

Home improvement home equity loans are great loans for home improvement because the project
can greatly increase the appraisal value of your home. This is a loan that is obtained to be
able to get additional investments for use in the future. Home improvement projects such as
bathroom additions, bedrooms and home extensions can increase the value of a house. However,
some home improvement projects don’t really result in increasing the value of the house. The
construction of a swimming pool is one such project.

Take care when getting a home improvement home equity loan. Don’t forget that the collateral
that you are putting up against the loan is your own house. If you can’t make the payments
and make them on time, you could end up losing your home. You borrowed money for the sole
purpose of improving your house and losing your house would be a disastrous situation
indeed.

Many people use home improvement home equity loans for other reasons. The money is sometimes
spent finance other expenses such as vacations or everyday needs. Steady appreciation of
their houses is what people rely on to be able to pay for the debt. If the value of their
house depreciates at the end of any period, they are in huge financial hot water. This is
why home improvement home equity loans should be used for the improvement of your home
because the risks of depreciation are lower.

Dream With Online Home Improvement Loan

In this expensive world, having a dwelling is rare! Generally, people opt for rented one. However, for those you have a home of their own and want to go for some or the other improvement have a wider choice with online home improvement loans.

Home improvement loan is taken for both interior and exterior. It can be for either roof repairs, remodeling, central heating fitted, construction of new room, getting the house painted and many more. Online home improvement loan is nothing but searching for a suitable lender through World Wide Web. This makes your search fast and convenient.

Online home improvement loan can be either secured or unsecured. Unlike other credit, the interest paid to secured online home improvement loan is tax deductible. To get tax deductibility the ownership of resident must be primary. The interest rate in secured home improvement online loan is low as it increases the equity on the home. Even the loan term is stretchable as the loan taken is secured one and come up with low monthly repayment.

Unsecured online home improvement loan do not require any collateral but requires you to fulfill some requirements relating to monthly income, employment, and residential proof. The interest rate comes bit high, as lender has no security for the loan amount.

Bad credit borrowers can go for online home improvement loan with or without placing collateral. However, in case you stick to your repayment term then your credit history is improved.

As such while going for online home improvement loan you need to be extra cautious, as the information you provide is sensitive in nature. See that the site of the lender is securely accessed. Even while making a firm decision regarding the choice of lender compare various quotes, repayable term, low monthly repayment etc. then click for online home improvement loan.
In this expensive world, having a dwelling is rare! Generally, people opt for rented one. However, for those you have a home of their own and want to go for some or the other improvement have a wider choice with online home improvement loans.

Home improvement loan is taken for both interior and exterior. It can be for either roof repairs, remodeling, central heating fitted, construction of new room, getting the house painted and many more. Online home improvement loan is nothing but searching for a suitable lender through World Wide Web. This makes your search fast and convenient.

Online home improvement loan can be either secured or unsecured. Unlike other credit, the interest paid to secured online home improvement loan is tax deductible. To get tax deductibility the ownership of resident must be primary. The interest rate in secured home improvement online loan is low as it increases the equity on the home. Even the loan term is stretchable as the loan taken is secured one and come up with low monthly repayment.

Unsecured online home improvement loan do not require any collateral but requires you to fulfill some requirements relating to monthly income, employment, and residential proof. The interest rate comes bit high, as lender has no security for the loan amount.

Bad credit borrowers can go for online home improvement loan with or without placing collateral. However, in case you stick to your repayment term then your credit history is improved.

As such while going for online home improvement loan you need to be extra cautious, as the information you provide is sensitive in nature. See that the site of the lender is securely accessed. Even while making a firm decision regarding the choice of lender compare various quotes, repayable term, low monthly repayment etc. then click for online home improvement loan.

Home Improvement Tips

Whether you are planning to put your home on the market or make it more comfortable to live in, there is a lot to be gained from making home improvements.

Improvements in your home could involve:

– Repairs of already existing structures,

– Remodeling certain parts of the home to give them a facelift,

– Making additions to your home to improve quality of life,

– Home improvement projects in order to make a house more energy efficient or environment-friendly.

To decide on a home improvement project can seem pretty daunting. But armed with a few handy home improvement tips, you could be well on your way to the ideal home of your dreams. Most of these tips are easy to follow and will make deciding on home improvement projects a breeze for you.

– Before deciding on a home improvement project, you have to decide exactly why you think your home needs it, how much you should be spending on it, and what is the result you would be satisfied with.

– The first home improvements you should consider are repair moves. Attend to any ceiling repair problems, the plumbing job you have been putting off or that attic insulation that has become necessary. This holds true whether you are planning to live in the home yourself, put it on rent, or put the home on sale.

– Remodeling your kitchen or bathroom is a smart home improvement move if you are planning to put your home on sale. This increases the value of the home immediately, and if researched properly, can be done with very little investment.

– Home improvement projects that involve remodeling need to be well thought out, so that they do not look out of place in the house. They are usually done to improve lighting, provide more space or glamorize the home. Remodeling a home can also mean an improvement in the atmosphere. For instance, if a kitchen wall is broken down to create an open kitchen, it immediately makes the home more friendly and sociable.

– Making additions to a home like adding a deck, a pool, or an outdoor storage area are usually the result of what the family needs, but could also be excellent selling points if the home goes up for sale some day. Additions to the home should be considered as home improvement projects if there is extra outdoor space which by itself does not improve the value of the home. A good tip for an improvement in the exterior spaces of the home is also to consider the neighborhood and only make changes and additions that would blend in.

– Helping a home improve its energy efficiency is also a great idea for a householder, because not only does it cut down on the electricity and gas bills, it is a great thing to do for the environment. Improvement in the insulation of the home can be a long-term blessing. Investing on a home so that it at least partially harvests solar energy could be another way of improving the home for posterity.

Should I Do Home Improvements

There are several different reasons improvements are done and you will find that they are very time consuming. They are however usually worth the energy and time that you put in to them and you are bound to appreciate the outcome. An improvements is basically altering and changing the home.

The exterior and interior of a home can undergo improvements. Enhancing the beauty and value of a home is just one reason for improvements, they can also be done to repair any damages. Adding more space and making the home safer is anther reason for home improvements.

Some of the types of improvements done to make your home prettier is interior design type projects. This projects include painting and wallpapering the walls or ceilings, adding new flooring, or upgrading and adding doors and widows. You can add beauty and style to your home by doing these improvements. Improvements can often be as little as changing a blown light bulb or even as big as rebuilding the home after a disaster.

Home improvement prices can change drastically. A common improvement that is done is changing the kitchen or bathrooms of a home. Some homes may not have the cabinet space they need therefore extra cabinets need to be added. Some improvements involved upgrading to elegant fixtures in the bathrooms or kitchen. You can find gorgeous fixtures very affordable.

When doing improvements to repair damages these can include electrical fixes or upgrades, plumbing repairs, or roof replacement. Of course these are not the only things people have to repair around their homes. Repairs often need to be made around the home at any given time.

The safety of the home has become an improvement that most people are doing by adding security systems. Cameras or security systems are improvements that will keep your family and your home safe. This is a great improvement to make to any home.

Adding extra rooms and closets is another home improvement that is quite popular. People add room for different reasons some of which are for more bedrooms, an office, or to add another bathroom. These improvements will also raise your homes value. These are very expensive and time consuming improvements but are generally worth it. Whatever home improvement you do, you will be happy with these improvements in the end.

Home Improvement Tips

Reasons for A Redo

Home improvement projects often begin with someone saying, “Wouldn’t it be nice if… ?” usually followed by a wish for a remodelled kitchen or a room addition for space to accommodate every family member’s needs. More often than not, reality and dreams don’t coincide, due to limited funds for realizing the dream, or limits on the available space. The trick: turning your dreams into reality. Begin with a realistic evaluation of your needs. Homeowners usually consider home improvements for one of the following reasons.

You may feel the need to update something that is out-of-date. If your kitchen colour scheme was perfect a few decades ago but no longer works, now may a good time to update it.

Some home improvement projects grow out of an immediate need to replace broken or inefficient fixtures. If a sink, tub, or toilet needs to be replaced, consider taking advantage of the opportunity to do a makeover on the entire bathroom.

If you’re preparing to sell your home, you’ll want to be sure to get top dollar from the sale. That’s great motivation for some home improvement projects.

You have decided that staying put and improving your home is a better option than moving.

Your family has grown and you need more space.

Improving to Move? or Improving to Stay?

Evaluate your plans carefully if you’re improving your home to list it for sale. Cutting corners may hurt your prospects rather than helping them. But don’t go overboard either. Potential buyers may prefer not to pay for some of the extras, such as a hot tub or pool. You’re better off keeping the changes simple.

And remember that buyers who view your home may not share your tastes and may not appreciate the care you took to find just the right shade of green paint for the walls.

You’ll find that improving to sell is easier if you can think about it from the prospective buyer’s point of view: What is important to the home buyer? Here are a few remodelling projects buyers are likely to find valuable:

Adding or remodelling a bath

Improving the kitchen

Adding a new room

Landscaping

Adding a bedroom

Adding or enclosing a garage.

If you’re remodelling because you want to stay in your home, you should still avoid over-improving it. You’ll probably want to sell it someday, and even if your house is the best on the block, it may be difficult to convince potential buyers to pay for the things you considered important. And when you consider making improvements, keep in mind the value of other homes in the area. Your home’s value should not be more than 20% above the average, which means that a $10,000 kitchen improvement project well could be a better investment than a $10,000 hot tub, especially if yours will be the only home in the area with a hot tub.

Home Maintenance versus Home Improvements

It’s unfortunate that some home improvement projects are undertaken because something has broken. Replacing a leaky bathtub may be the first step to a major bath remodeling: since the tub has to be replaced anyway, why not do the whole room?

While that might be a legitimate reason to remodel, avoid basing your home improvement projects on immediate needs. You’ll be better off if you minimize problems with proper maintenance. Examine every part of your home at least once a year. Check the roof, the plumbing, electrical wiring, etc. As soon as become aware of a problem, fix it. Making repairs when you’re first aware of them will help you avoid larger expenses later on. Keep in mind that maintenance does not add to the value of your home. Usually repairs are not improvements; they are necessities.

Hiring Professionals May Save You Time and Money

It should go without saying that home projects can be expensive, so you may be tempted to tackle them yourself as a way to save money. That may be a smart move for small projects. You won’t have to wait for someone to fit your house into their busy schedule, and you can boast about having done the work yourself.

But unless you’re very versatile, major home improvements are better left to professionals. If you decide to remodel the kitchen and plan to do the work yourself, will you be able to handle the plumbing, electrical, and carpentry work on your own?. And don’t forget that you’ll need to finish it quickly, because you won’t have a kitchen as long as it’s a “work in process” and eating three meals a day in restaurants could get expensive. Keep in mind, do-it-yourself jobs generally take more time. And you’ll be responsible for getting all the necessary permits and inspections.

Hiring people who have the required experience can save you money and time, too. For example, these professionals can help you get a custom look using stock products, and that can be a significant savings. Getting something done right the first time will give you value that lasts for years.

To find qualified and dependable home improvement specialists, check with friends, business associates, and neighbours for recommendations. Always get at least three references, and check them out thoroughly. Also check with the local chapter of the Better Business Bureau or Chamber of Commerce. Their numbers can be found in the community services section of your telephone book.

Once you’ve located the necessary home improvement specialists, make sure everyone is in agreement about the design, the schedule, and the budget, and get the details down in writing in a signed contract.

It’s also wise to check on professional certifications and licenses, where required, and be certain that the contractors you hire are fully insured and bonded. Your town or city Building Department can provide that information. And it’s very important that you make sure contractors carry workers’ compensation insurance: if workers are injured on the job, you won’t be liable if the contractor is covered. Request copies of their insurance certificates. And make sure that either you or your contractor have gotten any necessary permits before the work begins. Contact your local Planning and Zoning Commission for information.

Here’s a quick overview of some of the professionals you may need to work with when you remodel your home:

Architect: Architects design homes or additions from the foundation to the roof. If your project will require structural changes such as adding or removing walls, or if the design is complex, you will probably need an architect. Since architects may charge an hourly or a flat fee, make sure you get an estimate of the total cost: drawing up the plans for a major remodeling project can take 80 hours or more.

Contractor: The contractor oversees the home improvement project, including hiring and supervising workers, getting the necessary permits, making sure inspections are done as needed, and providing insurance for work crews. It’s always a good idea to get proposals from one or more reputable contractors, based on the specific details of your project.

Be sure each contractor bids on exactly the same plan so that you can compare their bids more easily. When you’ve chosen a contractor, make sure the contract specifies that you will pay in stages. You’ll usually pay one third when the contract is signed so that the contractor can buy supplies. The number and timing for making the remaining payments will depend on the size of the project. Do not make the final payment until all the work is successfully completed, inspected, and approved.

Interior Designers: Interior designers are specialists who will provide advice on furnishings, wall coverings, colors, styles, and more. They help save you time by narrowing your selection, and save money because they usually receive professional discounts from their suppliers. When meeting with an interior designer, be sure to tell them about your personal style and preferences. Expect to pay anywhere from $50 to $150 per hour, or you may be able to negotiate a flat fee of approximately 25% of the total project cost.