This little corner of the Internet is all about making your home a more beautiful and comfortable place to live. But one question many people ask me is: how am I going to pay for it all? So, I thought it was time to give you some great ideas on how and where you can scrape the money together to fulfill your dreams. It's easier than you might think - so let's get started right away.

Invest your savings

A lot of families I speak to wouldn't ever think about spending their savings on doing up their house. They are busy making sure they are keeping their savings accounts separate from their checking accounts. But in all honesty, it's one of the easiest and cheapest ways of going about things. It's all about how you view your savings. While you might think you are squirreling your spare cash away for a rainy day, it is, in fact, an investment. Whether it is in a savings account or tied up in stocks and bonds, you will probably expect your money to grow a little bit after a few years. But, if you spend your money in the right areas of home improvement, you could make even more back when the time comes to sell your home. Read my guide to making your home more valuable for some great ideas to get you started.

Get a new credit card

If you have an excellent credit rating, then look for a credit card that has a long interest-free period. That way you can spend everything you need in one hit and pay off the balance over the next year or 18 months. In fact, you could even switch to a new account when your interest-free term is approaching the end, and extend your 'loan' even further. There will be a small charge for this, but even that will be dwarfed by what you will pay back on a similar sized loan. Using credit wisely can allow you to make all the adjustments you need, and pay no more than the asking price.


Remortgaging your home isn't something you should do willy nilly. You need to do a lot of research first to make sure it will pay off in the long-term. It's best to seek help from an independent and unbiased mortgage broker to make sure you have the best deal possible from across the entire market. If you only speak to your mortgage lender, it is unlikely you will get a deal that matches a mortgage you can find elsewhere - and that includes all the fees you will need to pay. Think carefully, however. If your mortgage is relatively new, it can attract enormous costs that you will be paying for over an extended period. It might be worth it, but you have to have all the figures in front of you first.

And there you have it. Hopefully, one of these solutions can provide you with the means to turn your great home into the perfect place to live. Renovations aren’t cheap, but by changing your mindset to see them as an investment, it can mean you feel less guilty about spending on them!

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