It doesn’t matter what the reason is, if you need to do sudden home improvements you need not dip into your savings. Savings are often in unique bank accounts that will punish you if you take a large portion of your money out. For home improvements that need to be made quickly, there are many other methods for finding the funds. But why would you need to make these improvements so urgently? Well, it could be that you want to sell your house. Looking around you can see that it’s been left to get a bit dull and outdated over the years. If you’re going to get the best price possible you need a more contemporary look and feel. Maybe you’re remodelling and want to do so on the cheap and spend too much. It might also be because the older materials are becoming a health hazard.
Into 5-digit territory
It’s a good idea to get an estimate of your total cost for the improvements you want to make. Keep track of the things you are changing and the products you have your eyes on as replacements. If you’re heading into the 5-digit territory this can be deemed a large scale home improvement. Not having that kind of cash on hand for something urgent is not the end of the world because Buddy loans are a direct guarantor loan lender. If you have a friend or relative that is willing to go along with you on your home improvement project. They can elect to be the guarantor. Their property will be used as the base of guarantee that you will make the payments. If you fail to do so, they will be held responsible to make the payments as their property is liable. So make sure the elected guarantor is someone who you can trust and who also trusts you. You can borrow up to £10,000 and not be afraid of being denied because of bad credit. The shortest term of paying back is 12 months and the longest is 36 months.
Plan a moving day
Home improvements often require the house to first be cleared. Usually, the furniture, ornaments and lamps need to be remove. Wallpaper can not be steamed off and ripped if there are things in the way. You then need to lay a sheet to catch everything which will make the house a mess. Bits of plaster, wood chippings, wallpaper shavings and many more things that will create rubbish need to be caught in a controlled manner.
You don’t want to try and repaint your home while everyone else is still in the same room, living like normal. So plan a moving day whereby you’ll use the day to move the sofa, dining table and chairs out into the garden. However this has to coincide with the weather. You don’t want these items to get soaked. It’s prudent to buy a tarp which you can put over the top to keep those things safe from the elements and buy more time to get the home refurbished.
Sometimes in order to move into the future you have to sell off your previous household items. Home improvements are varied in nature and when you want to completely change the interior design and style of the house, the current crop has to go. You can auction off your items or sell them at a garage sale. All manner of things can be sold off to make way for the new. Things that have a big presence in your home such as chairs, tables, sofas, cabinets, wardrobes and drawers. You can then use the proceeds you make from the sale, to buy yourself newer and more stylish pieces for the home. Modern corner sofas are not cheap but they add a new layer of luxury to the home. There are lots of sources on the internet that show you how to conduct a garage sale and get access to smaller auction houses for your more expensive items. You can do this for all the items you have sold, such as replacing them with more contemporary styles.
Usually, making home improvements is a planned affair. You want to make sure you have as much time as possible to get it right. However when you don’t have time or the funds, there are other methods you can use to get the money you need. Either get a guarantor loan or conduct a garage sale of older unwanted items.
How do you fund your house improvements?