Easy DIY Home Improvement Ideas

Many enthusiasts of DIY home improvement differentiate between two specific classes of projects. The first class involves major renovations in the house, including:

o Replacement of floors

o Installation of new insulation

o Installation of a new roof

o Installation of wooden fences around a yard

The second type of DIY are smaller projects that delivers creative pleasure to the ones engaging in them. These small projects typically involve adding small yet useful objects inside the house. Though most of them involve one form of furniture or another, these smaller projects are recommended for those who are just beginning with DIY home improvement.

Small ideas but nice results

Free time, a bit of cash and a lot of good ideas is all you need to think of your own DIY home improvement project. Here are some ideas to get you started:

o Windows- if you’ve been thinking for the longest time that the windows in your bedroom are creepy at night, why not replace them? Contrary to popular belief, it is easy to replace windows. All you need are a few traditional tools like a crowbar and a hammer, or a saw in some instances. Simply measure the window’s dimensions and purchase a window of the exact same size. Take down the old window frame, taking utmost care not to damage the glass. Then simply install the new window sets using window glue and a few bolts or nails.

o Gates- gates can be customized. If your own gate allows it, you may attempt to install name plates on your own gate, to identify your house easily. This would be a great idea especially if you live in a housing neighborhood, where houses generally look alike.

o Extra utility table- If you don’t have enough table when you go out for a yard picnic, why not build one yourself? All you need would be small planks of wood and a little ingenuity. First determine what particular table size you want. After making the proper measurements, simply follow the configuration of picnic tables you see everyday and voila, you have your own picnic table. DIY projects that involve wood are often durable because wood is a sturdy material.

o Floor design- tired of visible scratches on your floor? One way to successfully remedy old floors is simply installing new vinyl. Vinyl comes in a variety of colors and designs so you would be having a lot of fun and choices by simply choosing the design you like. The installation of vinyl is even easier- you simply need contact cement or other forms of strong adhesives to attach the vinyl to your floor. Just find the center of the floor area using a nylon thread and divide each area into quarters. Start with 1 quarter and finish by cutting to size when you reach the edge.

o Wall design- wallpaper is still in. You simply have to know how to install wallpaper properly. First, the walls must be free from dirt, moisture or grease before the application of the adhesive. Let the adhesive dry a bit first before attaching the wallpaper in small, manageable strips. Watch your bedroom or your living room come alive with the new look.

Home Improvement Tips: Financing Home Repairs and Improvements

Finding funding may be a project itself, depending on the scope of your home improvement plans, For smaller projects, you may be able to save for it from your regular household budget. But for major projects, you will probably need financing. It may be possible to borrow against the cash value of your life insurance policy. Talk to your life insurance agent for information about this option.

Contact your bank, savings and loan, or credit union for information about home improvement loans. Compare interest rates, repayment options, and penalties from a few lending institutions before selecting one of the following options:

Second mortgage: A second mortgage is loan against the equity in your home, in effect, an additional mortgage. Typically, financial institutions let you borrow up to 80% of the appraised value of your home, less the balance on your original mortgage. For example, if your home is appraised at $100,000 and your current mortgage balance is $70,000, you may be able to obtain $10,000 by a second mortgage. You may also have to pay all the fees normally associated with a mortgage, including closing costs, title insurance, and any fees. Your tax advisor can tell you if the interest on a second mortgage is tax-deductible.

Refinancing: This option pays off your current loan and takes out a new mortgage on your home. Generally, you’ll need to have equity in your home, a solid credit rating, and a steady income. Again, you’ll incur all the closing costs that you’d pay on a new mortgage. Unless your remodelling project is extensive and you can get an interest rate at least two points less than you currently pay, refinancing may not be a good choice for you.

Home Equity Line of Credit: A home equity loan-like a second mortgage-lets you tap into up to about 80% percent of the appraised value of your home, minus your current mortgage balance. Since it’s set up as a line of credit, you won’t have any interest charges until you make a withdrawal, but you will pay closing costs. You can make withdrawals as needed when you start paying contractors and suppliers. The interest rate is usually variable and may be based on the outstanding balance.

Make sure you thoroughly understand the terms of the loan. For example, if your loan stipulates that you need to pay interest only for the life of the loan, you’ll have to pay back the full amount borrowed at the end of the loan period or you could lose your home. Ask your tax advisor if the interest on a home equity loan is deductible.

Unsecured Loan: Although the interest rates on unsecured loans are frequently higher and you generally won’t get a tax deduction for the interest you pay, the costs of obtaining an unsecured loan are usually lower. And the relative ease of getting this kind of loan may make it a good choice for small projects of $10,000 or less. The lender will evaluate your application based on your credit history and income.

You’ll be happier with the outcome of your home improvement project if you plan carefully and do your homework. The information in this article and a realistic idea of your needs and budget will help you make your home closer to your dream of perfection.

Home Design Interior Design Ideas for Contemporary Homeowners

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