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How to cut costs on home renovations
Do you still have an avocado green kitchen? Is your living room dank and dark? Perhaps there is only one bathroom for a family of six? Answering yes to any of these questions could serve as the catalyst for a home renovation project.
Home improvement projects come in all shapes and sizes — some with huge budgets and others that are more cost-conscious. Regardless of what homeowners hope to achieve with their renovations, a common goal across any price point is a desire to save as much money as possible. Home renovations can be expensive, but there are ways to cut costs.
• Assess the merit of the project. Remodeling magazine annually publishes a “Cost vs. Value Report” that lists the average cost and return on investment homeowners can expect of various types of projects. If you’re planning to sell your home soon, it may be best to focus on repairs and renovations that will generate the most substantial ROI.
• Hire a contractor. Even avid do-ityourselfers can sometimes benefit from a contractor’s expertise, particularly for complex tasks. Don’t waste money by trying tough jobs yourself; rely on an experienced contractor who can get supplies for less money and will do the job right the first time. Compare bids from several different contractors and figure out the best value.
• Refurbish existing features. Rather than a complete gut and rebuild, figure out where you can revitalize existing fixtures and more. For example, refinishing existing cabinets can save you up to 50 percent compared with the cost of new cabinetry, according to Angi (formerly Angie’s List), a cost comparison and business review resource.
•Choose midgrade materials. Certain materials may be all the rage but they come with a higher price tag. Angi reports that granite counters could be $60 to $100 per square foot. However, a composite or laminate that looks like granite and wears well may be $10 to 40 per square foot. Figure out where you can choose middle-of-the-road materials for maximum value.
• Avoid peak seasons. You’ll pay more to install a deck or a pool right before the outdoor entertaining season. There also may be a premium to get work done right before a major holiday. Therefore, consult the calendar to find an off time for a renovation and book it then to save.
• Do some prep work. You might be able to save by doing some of the demolition and preparatory work yourself. For example, you can tear up old carpeting before the installation of new tile floors. Perhaps you can mend and patch up walls before a paint job.
• Buy a display item. Former showroom kitchens and baths often are sourced at a fraction of their recommended retail prices, according to Real Homes, a home remodel guide based in the United Kingdom. Retailers often update their displays and you may score existing showroom items at a discount.
Renovations can be expensive, but there are many different ways to cut costs.
Small steps to extend a car’s life expectancy
Vehicles continue to get more expensive. The automotive experts at Kelley Blue Book indicate the average American car buyer paid $50,080 for a new vehicle in September 2025, which was the first time the average price for a new car ever topped $50,000. More drivers are looking for ways to push their current vehicles past the 200,000-mile mark to save money.
According to S&P Global Mobility, the average age of a vehicle on the road hit a record high of 12.8 years in 2025. Although major mechanical failures concern drivers of older vehicles, it’s actually much smaller things that can affect vehicle longevity. There are small actions anyone can take to significantly extend a car’s life.
• Use caution on cold starts. When a vehicle sits, oil settles at the bottom of the engine. To help combat damage that can occur, drivers can wait about 30 seconds before shifting into gear, as this will allow the oil pump to circulate the lubricant to the upper valve train and help prevent extra wear on the engine. Modern fuelinjected engines warm up faster and more safely by being driven gently rather than sitting still, so it’s not necessary to idle for a long while with the vehicle in the driveway, says Smart Motors Toyota. In fact, long idles actually can strip away oil.
• Treat fluids wisely. According to EngineeringCivil.org, checking and replacing fluids is cheaper than replacing hardware. Recent data suggests that consistent oil changes can add between 50,000 and 100,000 miles to an engine’s lifespan. It’s important to follow a vehicle’s manual for time-based intervals for fluid replacement, rather than just going by mileage.
• Drive smoothly on roads. Aggressive driving will not just burn more gas; such driving also creates heat, which can impact longevity. According to Kia, hard braking generates immense heat that can warp rotors and stress suspension bushings. Likewise, it’s key to ease into acceleration. Rapid acceleration forces the transmission to downshift abruptly, increasing wear. Reports from The Zebra, an insurance shopping company, indicate that mindful driving can reduce mechanical strain by up to 30 percent.
• Address engine lights promptly. CarMD says addressing a “check engine” light immediately is 20 percent cheaper than waiting until the vehicle has a driveability issue. For example, ignoring a $150 oxygen sensor can eventually destroy a $1,500 catalytic converter.
Small habits can help prolong the longevity of vehicles and help people save money.
• Drive faster on occasion. Oil will never get hot enough to evaporate internal condensation for those who primarily drive short distances under 10 miles. Once every few weeks, it’s important for drivers to drive at least 20 minutes at highway speeds to help get rid of contaminants.
• Fight corrosion. Rust can kill a car before the engine actually fails. People who live in areas where roads are treated with salt in the winter should use a winter car wash that includes an undercarriage spray. Auto Recycling World says road salt can eat through brake lines and fuel lines. In addition, applying a coat of wax twice a year can prevent UV rays and other damage to the clear coat, which protects the metal body from the elements.
Planning ahead is important to a successful renovation
Remodeling projects are significant undertakings. Homeowners must consider a host of variables before any such project can begin. While planning ahead may take time, it is essential to ensuring successful completion of a renovation project. Consider these pre-renovation planning pointers to help any job go smoothly.
Determine your motivation for renovating
Renovation projects often involve balancing needs and wants, and determining if a project is a necessity or a luxury can set the timeline and course of the project. Is the roof leaking? If so, immediate action is necessary. Could the kitchen be a bit more functional? If the kitchen is still manageable, a homeowner may be able to wait a little bit to get better prices on appliances or contracting services.
Separating needs from wants helps homeowners map out a viable timeline that maximizes productivity and affordability.
Get professional advice
Many homeowners are under the impression that doing the work themselves can save a considerable amount of money. This may be the case for homeowners with renovation experience. But by and large, professional contractors are an asset to any renovation. They can provide a realistic overview of the project, map out projected costs, point out areas that could be troublesome, and may have industry contacts that can keep supply costs low. Even if a homeowner will do a portion of the job, a contractor can do the bulk of the work and keep the project on budget.
Get necessary permits
Permits are designed to ensure the work is being done to code and in a safe manner. However, they are not without additional costs and processing time, and that can cause some homeowners to skip this step. According to the home information site The Spruce, building permits cost anywhere from $400 to about $2,200 for new home construction. Building permits for smaller projects can cost $100 or less, and typically are based on a percentage of the anticipated cost of the project.
A permit may be issued the day the application is submitted, while other cities and towns may issue permits up to two or more weeks later. Factor permit fees and processing times into the renovation plan.
If it comes to light a homeowner did work without a required permit, he or she may face penalties; may have to tear out work done to have it inspected or redone; some may be unable to sell a home until permits have been obtained and work has been done to code. Homeowners insurance coverage also may be affected if homeowners do not obtain the proper permits.
Other considerations when planning a renovation include writing out a strict budget, gathering inspiration, drawing up to-scale renovation plans, pouring over material reviews, and getting recommendations for reliable professionals to do the job. While not every obstacle can be avoided, planning is a good way to start successfully.
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Tthings to know before replacing windows
he decision to replace windows often comes down to aesthetics and necessity. Drafty windows can reduce energy efficiency in a home, requiring HVAC systems to work harder to keep interiors comfortable. The harder the HVAC must work, the more homeowners will pay in energy costs.
Old windows also may be points of entry for water and insects. Despite the importance of windows, Money magazine advises that new windows make up only a fraction of the home’s total exterior “envelope,” resulting in only about 5 to 15 percent of total energy savings.
But there are still plenty of reasons to invest in new windows.
1. Vinyl or aluminum may be best. Lumber is farmed rather quickly today and solid wood products may not stand up to elements as well as wood used a half-century ago. To avoid rot, vinyl windows often are an affordable and durable choice. Homeowners also have the option of wood windows with aluminum cladding, which are long-lasting.
2. Moisture problems indicate windows need to be replaced. Condensation that shows up as fogging between double-pane windows or on the inside of windows indicates that the windows are starting to fail. If installing a vapor barrier in the basement or crawl space, ventilating properly when showering or cooking, or using a dehumidifier indoors does not remedy the situation, it might be time to replace windows.
3. Windows add curb appeal. Beyond functionality, replacement windows immediately update the look of the home and can improve curb appeal since they are one of the most prominent features on the exterior of a home. If a house needs an update, replacing windows and can be a quick and affordable update.
4. Consider other energyefficient upgrades. Sometimes older windows can be salvaged, especially if they are not damaged and only moderately drafty. Replacing panes, sash cords, weather stripping, and even glazing may be less expensive than replacing a window. Plus, older homes with attractive windows complement one another. To keep energy bills down, think about adding insulation to the attic and basement — which is a good idea even if you are replacing windows.
5. The wrong windows can adversely affect home value. The National Association of Realtors says homeowners get about 73 percent of their replacement window investment back when they resell a home. But choosing the wrong windows might lower the value of the home. It’s important to match the look of the original windows, including window material and the divided light pattern (the number of panes in each window) with the original windows.
6. Think about soundproofing, too. When upgrading windows, also think about how certain windows can cancel out noises and make homes more soundproof. Some windows can help reduce outdoor distractions like leaf blowers or lawn mowers.
7. Proper installation is key to longevity. Replacement windows are only as good as their installation in many cases. Poor installation and orders of standard rather than custom sized windows could result in poor fitting and seals. Homeowners should carefully vet and review window replacement contractors to find the best professionals for the job.
Low-cost ways to revamp living areas
Home improvement projects require substantial financial investment. But just because a homeowner wants to bring a fresh look indoors doesn’t mean he or she has to break the bank along the way.
Living rooms are some of the most frequently used spaces in a home, and they can use an update from time to time to stay on trend or to make the area more functional for a changing family dynamic. Here are some budget-friendly ideas for breathing new life into living room designs.
Establish the budget.
Homeowners should figure out how many dollars they can designate to a living room makeover before purchasing supplies or hiring out the work. Figure out the scope of the remodel, visit stores or suppliers to price out materials, get estimates from contractors, and then plan for some unforseen circumstances along the way to determine if this type of renovation is affordable. If not, scale things back until the project more closely aligns with your budget.
Change the paint color.
Lighter and brighter colors are on trend. A can or two of paint can do wonders for updating a space without a large financial commitment. Pair that new paint color with new window coverings and complementary throw pillows to pull the theme together with minimal expense.
Update the flooring.
Tired, outdated carpeting or other flooring can use an overhaul. While solid hardwood flooring may be preferable, there are many types of laminate flooring that mimic the looks of popular wood colors and styles for a fraction of the cost. Plus, many are sold at home improvement retailers and even at warehouse clubs or online for reasonable prices. Laminate flooring also may be a potential DIY job for a skilled homeowner, saving even more money.
Introduce a fireplace
Fireplaces were once hot commodities, but that popularity waned in the 1970s and 1980s. Homeowners with chimneys may discover a fireplace was boarded over and the bare bones still exist that can be renovated to bring back character. There also are ventless freestanding units that are quite affordable that can mimic the look of a built-in fireplace.
Reupholster instead of replace furniture.
There’s no need to throw away quality furniture if the fabric is the only thing impeding design. New upholstery or even a slipcover can update designs.
Conquer clutter.
Rather than adding something to the living room, remove clutter to give the room a more airy feel. This can instantly change the look of the room. Use cord covers to tame plugs for electronics and remove unnecessary furniture from the room.
Improve lighting.
Another easy and often inexpensive fix is to change lighting fixtures, including using brighter, more energy efficient LED bulbs, and to assess lighting needs to eliminate dark corners of rooms that can make the space seem drab. Living room spaces in need of an update often can benefit from improvements that go easy on the wallet.
Budget-friendly ways to upgrade a landscape
A new walkway is a small project that can still offer a significant upgrade over a home’s existing landscape.
An inviting, well-tended landscape can add significant curb appeal to a home. Such a landscape also can serve as a point of pride and welcome homeowners each evening as they arrive home from work.
Landscaping projects run the gamut from simple changes that can be accomplished on a weekend afternoon to more significant and costly undertakings that require the work of a professional. Budget-conscious homeowners may be looking for simpler projects, and the following are some less costly ways to upgrade a landscape.
Add a pop of color with planters.
Awe-inspiring colors can make a landscape stand out from surrounding properties. Flowers, bushes and plants may be the first thing homeowners consider when trying to add color to their lawns, but planters can provide a more immediate way to give exterior grounds some color. Bold planters won’t lose their color in a matter of weeks like many flowers do, and homeowners can switch planters so the colors align with the season. For example, some pastel planters can evoke the spirit of spring, while orange planters can be filled with mums to give a landscape an autumnal feel.
Plant perennials around the property. Well-maintained perennials grow back each year, making them ideal for homeowners who don’t have the time or desire to map out new gardening arrangements each spring. Planting perennials also is a great way to add color around the property without breaking the bank.
Upgrade walkways. Though it’s more expensive than adding planters and planting perennials, upgrading old and cracked walkways is a great way to give a property a whole new look. According to the renovation experts at HomeAdvisor, homeowners typically pay between $6 and $12 per square foot for new concrete walkway installation. Homeowners working on a budget can target spots where walkways have already cracked and fix those areas first before continuing the project piecemeal until all the old walkways have been replaced.
Plant to create privacy. Homeowners spent more time at home than ever before during the pandemic, and some might have grown tired of seeing what their neighbors are up to. Fencing might be the first solution homeowners consider when looking to make their landscapes more private. But new fencing installation can be expensive, costing homeowners between $1,667 and $4,075 on average, according to BobVila.com. A more costly and natural solution is to plant trees around the perimeter. Speak with a local landscaping professional, who can survey the property to see which trees might thrive and provide the privacy homeowners want.
Creating an inviting landscape doesn’t have to break the bank. Various small and relatively inexpensive projects can change the look and feel of a home’s exterior.
Tips for negotiating with contractors
Spring is the season for fixing up a home. Homeowners who aren’t interested in doing the work themselves turn to contractors to ensure the job is done not only to code, but on time and efficiently.
After receiving an initial estimate from a contractor, homeowners may wonder if there is any additional wiggle room in contractors’ costs. Certain contractors are willing to negotiate while others are firm in their prices. However, learning the basics of negotiation can put homeowners in position to save money on dream renovations.
Do your homework
Getting the best price typically requires shopping around and not settling on the first bid. Experts recommend getting at least three estimates on the same job — and be sure to let each contractor know that you are soliciting multiple bids. This alone may entice a specific contractor to give you his or her best offer up front. Avoid simply choosing the lowest bid. Look at quality of work, reputation and reviews. If you like a costly contractor more than another, see if that contractor is willing to match a lower bid to win the job.
Pick the right season
As with other industries, home renovation work heats up during certain seasons or times of year. General contractors may be more willing to negotiate for a lower price depending on when their busy season may be. Jobs may slow down in winter, for example.
Talk about supplies
Even after getting a good bid, you may be able to speak with your contractor about lowering costs even more by choosing less costly supplies. Find out if contractors can source materials from a low-cost supplier. In addition, discuss if you can purchase your own supplies.
Ask to do a portion
Be honest with the contractor about your budget and figure out if there is any way for you to do some of the work to lower costs. The contractor can give you jobs that are within your abilities, which can shave dollars off the final price.
Know your rights and laws
Understand the laws governing contract language in your state or province. Contracts should also spell out the change order process so that expectations of changes and costs will be known in advance. These are just some of the tactics homeowners can use when negotiating the price of home remodels or improvements.
What is a HELOC?
Homes symbolize many different things, including an investment in one’s future.
Bank of America says a home equity line of credit, often referred to as a HELOC, is a line of credit secured by your home. It is a revolving credit line that can be used for various expenses. The Credit Union of Southern California reports that a HELOC credit line is issued by a lender and has a limit and variable interest rate that is secured by the equity in your home.
A HELOC is similar to a credit card in that they both provide revolving credit. Investopedia says revolving credit is an agreement that permits an account holder to borrow money repeatedly up to a set dollar limit while also repaying a portion of the current balance due in regular payments over time. But unlike credit cards that may have high interest rates, the interest rates of HELOCs often are lower — a significant advantage when paying off large amounts of borrowed money. Home equity accessed through a HELOC can be a great source of value for future renovations, large purchases such as cars, educational expenses, and alternative debt repayment. The credit limit of a HELOC depends on your credit standing and unpaid debts. It also is determined by the market value of the home and how much you owe on your mortgage. According to Credit Karma, banks tend to limit the amount borrowed to no more than 85 percent of the appraised value of the home, minus what is owed on the mortgage. HELOC terms also vary, but they can run for as long as 30 years.
Even though there are many benefits to HELOCs, there is a downside to using a home as collateral. Investopedia says home equity lenders place a second lien on the home (in addition to the first mortgage lien). Defaulting on HELOC payments can result in legal action and a home being repossessed. Another potential pitfall is a lender may reduce or freeze your credit line after missed payments. Even though banks attempt to limit how much can be borrowed through HELOCs to help avoid potentially negative situations, they are not without risk.
Borrowers considering a HELOC have other options, including home equity loans. Homeowners can speak with financial advisors to learn more about their options for maximizing equity in their homes.
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Signs a roof needs repair or replacement
Many homeowners believe a roof is a once-in-a-lifetime investment. But roof damage can force homeowners to replace a roof regardless of how much time has lapsed since the roof was installed.
The average life span of a roof depends on when the roof was installed and the materials it is made from. According to Central Homes Roofing, three-tab shingles may last between 10 and 15 years, architectural shingles can endure for 15 to 20 years, and tile may last between 35 and 50 years. RPS Metal Roofing indicates a metal roof may last as long as 70 years. However, climate and color of the roof also will affect its longevity.
Homeowners would be wise to consider these factors when determining if a roof is in need of repairs or replacement.
• Ridge damage: Ridges are spots where two separate areas meet and often are important to the structural integrity of the roof. If the roof ridge is showing signs of wear, it could be time to repair or replace it.
• Curled shingle edges: If shingle tabs are curled or cupped, the shingles may need to be replaced. But if curling is extensive, a whole new roof may need to be installed.
• Bald spots or lost portions of the roof: Missing granules and missing shingles are reasons to consult a pro for a roof evaluation.
• Leaks indoors: Homeowners who find dark streaks or moisture in the attic may discover that water is penetrating the roof underlay. Water often comes in around chimney flashing. Other water signs are blistering and bubbling in walls.
Architectural shingles can endure for 15 to 20 years.
Tile may last between 35 and 50 years.
RPS Metal Roofing indicates a metal roof may last as long as 70 years
• Roof age: The age of the roof is a major factor in determining if it will need to be replaced or if repairs can be made to isolated damage. Individuals who live in neighborhoods where neighbors are now replacing roofs will likely find it is time to consult a roofing company. Homeowners also can check to see if they have any receipts that indicate the roof’s installation date so they have an idea about its age.
• Grain in gutters: Roofing shingles are designed to overlap, and sealant keeps them steady. Friction, weather and atmospheric changes can impact sealant and cause degradation. Gutters with grainy material in them could indicate worn out sealant and shingles.
• Incoming light: Look up through the attic and see if any light is coming through the roof, which may indicate there are cracks or holes in the roof.
• Aesthetics: If a homeowner doesn’t like the look of the roof from a design standpoint, a replacement also may be warranted. Roofs can last many years, but the presence of certain signs indicates replacement or repairs will be necessary.
