April 7, 2009

How To Upgrade Your Home On A Budget

by Chris Dawson

Many people are choosing to stay and remodel their existing homes these days, rather than try to sell their houses and move to another home. In most cases it is much more affordable to improve an existing house instead of moving, but the cost of a large home remodeling project can still be surprisingly expensive.

Most big home improvement projects are expensive enough that it's difficult to save up all the money you need all at once. By the same token, home improvements have become much more involved and complex and often entail completely changing a room rather than just applying a little paint and moving around some furniture. Here are three ways you can make a home improvement more affordable:

Break It Into Smaller Jobs: There's no point in doing the entire project at once if you really don't have to. For example, what if you need to replace the windows in your home? Instead of paying to replace all the windows at one time, why not replace a couple at a time over the next few years? You'll spread out the costs, still save money on your energy savings and you won't break the bank.

Zero Interest Hardware Store Credit Cards: You can actually take out a small home improvement loan by using a credit card offered by some of the larger home improvement stores. These stores usually offer great interest rates and special deals on materials and even contractor services if you use their cards, so you can save some real money with them over the long run.

Work On Your Home Yourself: Completing a home improvement by yourself is a great way to build your confidence, feel a sense of pride in your home and save yourself a ton of money! It's estimated that 50% of any home improvement project pay for labor, so you could definitely save yourself some serious money if you chose to complete the project yourself. Be sensible: only do work that you're comfortable doing. There's no sense in doing something dangerous or potentially harmful to your home just to save a few dollars.

Improving your home is a great way to increase your home's value, make yourself feel good about where you live and even give you a sense of renewed pride and hope. Paying for a home improvement doesn't have to be painful if you have a plan and you're smart with your money. Using some of these money-saving home improvement financing methods will help you turn your house into a dream home in no time!

About the Author:

Home contractor Chris Dawson has worked with a lot of homeowners over the years and knows that you can get a home upgrade loan even with bad credit. He writes about home improvements and personal loans for a number of different online publications.

Tags: interest rates, home improvements, home sales, Credit Card, Loans, home

Filed under Personal Loans by Chris Dawson

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Comments on How To Upgrade Your Home On A Budget

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December 31, 2010

Karl @ 4:00 pm

What I think you're ignoring, as so many Americans do, are the class issues inherent in both programs.
In Frasier, while the "intellectually incurious father figure" is most commonly the source of wisdom on the program, you ignore the fact that he is very clearly of a lower socioeconomic class than both of his sons.
In the case of Home Improvement, the exaggeratedly (if falsely) proletarian lead is the one who is continually outsmarted by his higher-status wife and neighbor.
Therefore I would argue that Home Improvement appropriately appealed to social conservatives, Republicans, and social climbers, whereas Frasier successfully targeted an audience of crypto-Marxists.

January 2, 2011

John Chapman @ 12:30 am

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March 12, 2011

LE Gray @ 1:15 am

Update on NTP Activities on BPA and SI COI

Over the past few months, the National Toxicology Program (NTP) has undertaken a number of activities to address issues related to conflicts of interest (COI) and to ensure continued public confidence in its work. These included an independent review of its contracts for potential COI, development of a strong clause about COI for adding to NTP contracts, and an audit to assess the objectivity of information in draft reports prepared on the reproductive and developmental toxicity of bisphenol A (BPA). NTP would like to update you on these activities.

Review of NTP contracts
A working group of the NTP Board of Scientific Counselors conducted a review of NTP contracts to (1) assess potential COI, (2) develop recommendations appropriate for reducing the potential for conflicts to occur, and (3) address mechanisms for mitigating any current or future COI. The working group reviewed NTP contracts, information on contract performance provided by NTP staff, and information on policies and practices concerning COI provided by selected NTP contractors. The working group report was presented to the NTP Board of Scientific Counselors at its meeting on June 22, 2007, and following discussion, accepted unanimously without revision. The working group found no evidence of actual or apparent COI in its review of NTP contracts; however, it did recommend a number of best practices and areas where improvements could be made. The working group report is posted on the NTP web site
( under “Latest News”).

COI clause for NTP contracts
A clause that specifically addresses contractor COI was developed and is being added to all NTP contracts. This action complements the review of NTP contracts by the NTP Board of Scientific Counselors Working Group, as noted above (see BSC Working Group report, Attachment 9, available
at under “Latest News”).

Audit of draft BPA reports
The NTP Center for the Evaluation of Risks to Human Reproduction (CERHR) conducts rigorous independent scientific evaluations to assess risk to human reproduction and development caused by environmental agents, such as bisphenol A, a chemical currently under review. In response to concerns raised about Sciences International, Inc. (SI), the former CERHR contractor (see March 2007 and April 2007 statements available at under “CERHR News”), NTP committed to a review of the contractor’s services to CERHR. As part of this review, NTP conducted an audit of two key activities carried out by SI: (1) selection of literature relevant for review by the expert panel on BPA and (2) incorporation of input from expert panel members into draft reports.

NTP found that SI made available to the expert panel members for their consideration appropriate references relevant to the BPA evaluation. NTP also found that SI reliably made changes to the draft reports requested by the expert panel. Based upon this audit, NTP concluded that the draft expert panel reports are useful for the BPA evaluation. The audit report is posted on the NTP
( under “Latest News”) and CERHR
( under “CERHR News”) web sites.

Second BPA Expert Panel Meeting
The second BPA expert panel meeting is scheduled for August 6-8, 2007, at the Hilton Alexandria Old Town in Alexandria, Virginia. Details about the meeting are available on the CERHR web site for BPA ( ).

March 31, 2011

cavechan @ 4:44 pm

Thank you for your reply!

I actually have a degree in graphic design so I did learn pretty much everything you mentioned. I think I'll have to find more smaller jobs to build up my portfolio and experience more. And go to more cons~.

Thanks for adding me on Twitter too! I will definitely continue following your blog and comment again if I have any more questions.

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July 21, 2011

Bobby @ 4:19 am

Man I think I had this same discussion just the other day myself. Even if I wanted to move houses aren’t selling right now. We’re thinking about knocking out some walls and redoing some of the things that we hate about our house. But even the best remodeling project is not going to add new kids Lily’s age to our neighborhood. So I know your frustrations. Well on a up note my A/C is working, otherwise I’d think we were back in Vietnam!

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It's inspiring, especially for someone like me who's still searching for that direction in life.

Steph

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March 12, 2012

@ 10:54 pm

You wanna play, you gotta pay
Pay, indeed. We did a large home remodeling project last year and I estimate that we paid 30% more because we used American citizens.

Yes, I checked.

But to the points you address on your post:
I question the need for constant, large-scale immigration that will become institutionalized with the present bill, but I’ll post on that at my blog.

You and I discussed immigration a couple of weeks ago on my podcast, and as I mentioned then, I see this problem as having three parts.

The first and IMO most urgent part is the no-border. Forget the phrase "porous border" – it's not even porous because porous implies that some kind of barrier exists. The border as it is now is simply a line drawn on an imaginary map. The US needs to have clear border enforcement. Right now there isn't. I consider this the most important issue.

As far as I can see, the proposed bill won't do much about that. The moneys have been budgeted years ago and here we are, still talking about it. I predict that years from now it will still be talk.

The second part has to do with what to do with immigrants currently in the country. It is indeed unfeasible – to say the least – for all illegal aliens to be sent back to their countries of origin. There are groups of illegal aliens who should be deported, such as those who already have deportation orders. The current bill would prevent their deportation of they show "extreme hardship".

The current immigration laws in existence are not being enforced. The proposed law is even worse and is a de facto amnesty, and makes a mockery of those who have immigrated here legally. Additionally, the current provisions, as this article correctly states, “For the first eight-ten years or more, the measure would actually increase family immigration so as to accommodate almost everyone (maybe seven million people) on the current waiting lists for the family categories slated for eventual elimination — siblings of U.S. citizens and adult sons and daughters of citizens and legal residents."

That’s the last thing we need: first of all, because of the strain that bringing in that many people will put on existing conditons assuming the economy continues to grow at the current rate, and worse yet, if it doesn’t.

The current bill is bad law as written, and will be bad law if enacted.

But the most important part is how will the immigrants become American, and, as I see it, that's the real problem.

Not that anyone asked me, but here's what I propose:
I would eliminate all parts of the new law that provide amnesty. Legal residents who are here should have priority in an expedited process.
(And no, I am not proposing mass deportations.)
All others who are here but want to become legal residents should be willing to:
1. learn English – the USA should have an official language, and its language is English. All application forms, exams, interviews, etc should be conducted in English and English only.
2. all illegal aliens should not have access to government-funded welfare programs. Children of illegal aliens in public schools should take mandatory citizenship classes with the expectation that they will accept American values as a condition of remaining in the country.
3. All immigrants in the USA should be expected to become American. Not hyphenated-Americans, but Americans.

Until that becomes a priority, it's all going to be yet another bureaucratic exercise.]]>

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