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Home Renovation: How to be Financially Prudent?

Finances

2259 views

2259 views


The rule is simple. Do not spend more than you can afford. This adage has added impetus when it comes to budgeting for your home renovation.

Continuously ask yourself these two questions; “How much can you afford?” and “Where is that money coming from?”  


Spending Too Much


Home renovation expenses need to be balanced against your goals. A young couple who emphasize on the design aspects of their house will significantly differ to an elderly couple who prefers functionality in their home.

Similarly, the amount you spend on your home renovation will vary depending on your individual needs. The style of your home will also be a factor. Investing in a more opulent bathroom, for example, may deem necessary to complement a home's luxury appeal.

There is, though, one thing in common – home renovation can get expensive.

And due to some miscalculated decisions, homeowners might end up spending a little too much on renovations which they can do without.

As many might agree, home renovations could cost more than you budgeted and will take more time than you planned.



Image via: iMoney Singapore   


Do You Need That?


Let’s start with the false ceiling.

Now, the false ceiling is a ceiling that is made beneath the main ceiling of the room. It functions to conceal wiring and to alter the aesthetics of a ceiling.

The right renovation contractor will be able to conceal wires without false ceiling. In this digitalized age, it is unlikely that you will see wires jutting from one corner of the room to the other.

Another common renovation mistake is when homeowners decide to rip out and replace a perfectly good bathroom.

Changing the layout of your plumbing is not only costly but also time-consuming. Instead, opt to replace the vanity, tapware, and wall tiles.

Some might also regard the toilet as their sanctuary and will attempt to revamp the whole bathroom. But do realize that you can achieve a new bathroom look with just a few cosmetic changes and touch-ups.

The kitchen is a place where homeowners tend to overspend the most. This is partly due to the many parts of a kitchen: counters, appliances, fixtures, cabinets, lighting, and flooring.

These items come in a multitude of choices with varying price difference. It is best for homeowners to consider the most suitable option before making that purchase decision.

Some might choose a higher grade of quartz or marble for their kitchen counter. But the truth is, a higher grade material will not necessarily result in a substantial visual difference than the lesser priced option.  


Keep Within Your Budget


The most economical way to pay for a renovation is with your savings. It mostly caters to smaller renovation projects and may not be feasible for homeowners who are doing a complete home makeover.

In a nutshell, it is essential to keep spending within a range that fits your long-term financial goals. Please seek advice from a financial adviser to determine and understand the best way to cover your renovation costs.

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