Embarking on several small home design projects (say, for a single room or the kitchen) is easier to fund, but larger projects or a whole house project can become burdensome financially. Sometimes, you may want to get started on a larger project and purchase some supplies upfront to get a discount, but have too little available funds to even begin. It’s at times like these that seeking an extra funding source is useful because you can get going and repay it a few months later.

In this article, we examine what options are available to you to cover the costs of a home design project when you don’t have enough savings set aside for it yet.

Get a Short-term Loan

A non-guarantor loan is like a personal loan but it’s one that you’re responsible for repaying; not someone else. These types of short term or payday loans are designed to cover expenses that are present but that can be repaid within a few months. Most loans of this type are only for up to 12 months, so they’re not intended to be a typical personal loan that might span 3-5 years.

Seeking out a broker or a lender to find a non-guarantor loan that you qualify for is the best idea. When you sign up for LoanPig, they can help do that for you. They then present the best loan available based on your requirements and personal details.

Negotiate Harder

People in the UK don’t like to barter or negotiate with shops, vendors or suppliers. They somehow feel that it’s wrong or rude. This is a very strange attitude to adopt because in many other countries it’s perfectly normal to ask for a steep discount and enter into a negotiation.

When you need to cut the budget for your home design project, one way is to get better at dealing with salespeople. Understand that they have a goal in mind for their sales each month. Some deals may be richly priced but other deals can be cheaper and they still hit their monthly quota. Your job is to be one of the cheaper sales for them. However, if you can find more supplies that you need from their business, you have a stronger negotiation position because you’re a bigger customer.

Space Out the Projects

Rather than tackle everything at the same time, if you space out the projects, then it’ll be easier to handle at home. It also makes it much more affordable because the cost is spread over many months or even years.

While this might not seem so attractive, it’s sometimes better than making the interior of your home look like a building site or having to postpone all your plans. By approaching one room at a time and using a smaller portion of the planned home design budget, progress is made without making the home unliveable in the meantime.

There are different strategies and approaches you can take when making any design changes at home. Really, there’s no rush even though it doesn’t always feel that way. Prioritise to make life more manageable.

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