6 Creative Ways to Pay for Your Next Home Improvement Project

Your home is a special place, somewhere to spend time with family and friends, a haven to relax and unwind after a long day. It’s no wonder we want our homes to look inviting and attractive. For most homeowners, this means embarking on a home improvement project. However, even with opting for DIY instead of paying a professional home remodeler to do it, the cost of a home improvement project can be overwhelming.

Unfortunately, high remodeling costs mean that many have to put off their dream of renovating their home until they have saved enough money. Depending on the scope of the project, saving up could take months or years.  Don’t get discouraged, there are other options to create your dream home. Here are six creative ways to pay for your home improvement project.


You would probably be surprised to learn how much money  some of the junk and clutter you have around and in your house is worth.  If you are serious about funding your home improvement project another way, then it’s time to scrap your junk for cash. Find out the scrap price for cars, and get rid of that old clunker taking up space in your garage. Go through your basement and attic and put together all the old items you no longer want or need, then start selling them online or through classified ads. Just because you don’t need it, does not mean it’s not worth something to someone else. Remember one person’s junk is another person’s treasure.


Bartering is trading goods or services without using money. Bartering was very popular back in the day, but you may be able to benefit today. Do you have any items or skills you can trade in order to get the materials or services you need for your project? For instance, if you are a CPA, it may be possible to trade your tax services to a local handyman in exchange for their labor. Think outside the box, and reach out to your community to find someone who is interested in your offer.

Reuse and recycle

It’s possible you have all the stuff you need for your project already in your home. For instance, if you want to renovate a bathroom, consider reusing some of the pieces you already have in the renovation. For example, painting an old vanity can transform its look for just a few dollars. Adding new trim around your old mirror can give it new life, while painting light fixtures and hardware can update their look without breaking the bank.  Instead of assuming you have to buy all new materials for your home, think about the ways you can reuse the items you have.

Use store credits, gift cards, and rebates

Most home improvement stores today provide you with all the tools and products you need to complete your project. Instead of buying everything outright, consider asking for gift cards to that specific store for your birthday and holidays. This way, you can save up these gift cards and use them to pay for the stuff you need for your project. In addition, if you have store credits or rebate offers, be sure to cash those in and use them to fund your project. These are great ways to eliminate the overall expense and still get the home you dreamed of.

Get a part-time job

Taking on a part-time job can help you fund your home improvement project. Although the thought of working more may not sound appealing, you’ll be happy when the home improvement project is finished. Think about opting for a job that lets you work on your own schedule, such as driving for Uber or starting a side freelance business. When you can generate some extra income and put that aside for your project, you’ll be knocking down walls before you know it.

Consider guest funding

It may be a long shot, but sites like GoFundMe, allow you to make an online, public request for donations to your “cause.” Starting a GoFundMe account for your home improvement project could entice others to fund the project for you. Requests like this are often best if the home improvement project is needed for health issues or to make your home safe. For instance if a family member is in a wheelchair and you need an entrance ramp or if your roof was damaged from a falling tree and is not covered by insurance.

Keep The Faith

Your home improvement may have a hefty price tag, but that doesn’t mean it’s out of reach. Implementing some of the ways above can help you create the house of your dreams in less time than you think.

This is a collaborative guest post. The views and ideas expressed do not necessarily represent those of Mommy Ramblings.


Filed under Home & Garden, Home Improvement

3 Responses to 6 Creative Ways to Pay for Your Next Home Improvement Project

  1. Dana Rodriguez

    These are great ideas. My fiance’ owns a painting business and they have left over paint sometimes from jobs so we are able to use that on other projects. Great post!

  2. Decluttering can really be of big help especially when you’re trying to upgrade. There are stuff you’ll see you can reuse and recycle for your next home project, or even sell! Anyways, great tips 🙂

  3. These are some amazing ideas! Thanks for sharing these with me. Am planning on starting an home renovation soon.
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