Yes, your home is your castle. But it might be too small or it might need a "facelift." At this time, it makes more sense to do some remodeling without destroying your budget. The idea of a contractor means big money, and maybe you can get started yourself. Figure out a plan, and perform the changes in steps. Handling one or two projects will help you stay within the budget, and you can move on from there. Painting a room can be done in one day, and you'll save hundreds by doing a few rooms yourself. There might be wood furniture you can refinish, or you can rent some equipment and redo the floors.
It will be time to call the contractor when you need plumbing or electrical work. But be aware that there can be many hidden costs with a contractor if you're replacing walls or other big projects. Decide what your abilities are. Just doing some redecorating can make a big change. Find web pages or books that help you reupholster furniture on your own. Remember, every little thing you do is an improvement, and you can congratulate yourself on what you've accomplished.
http://www.igoremodel.com/2008/09/20/financial-easement-of-remodeling.html


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