Financial To-Do’s Before Renovating

When we purchased our current home we knew that we would be taking on several renovation projects both inside and out. In order to make life manageable, we felt it was extremely important to ensure we timed each project perfectly so that we could transform each space.. but not make it take a life time. Our first project included renovating the inside of our home which was the largest project so we wanted to tackle that first. After that came the backyard and several other smaller projects… We still have a few more to go such as the garage floor and cabinets. Knowing me, I’m sure I’ll find something else we need to do. ;)

Financial To-Do's Before Renovating

Financial To-Do's Before RenovatingA key part of the planning for these projects was to understand the cost and define what our budget would be for each. So hard making that decision! Knowing our credit score reassured us that we would be able to handle the different projects and helped us to determine the amount we could handle financially.

Jeff and I have a fun ongoing competition with one another on who has the highest credit score. I think that all started with the purchase of our first home.. and we have been continuing it ever since..

We have used to check our score for years so you can can imagine how excited I was when asked to partner with us to discuss financial responsibility and renovation projects with all of you. This was right up our alley!

Before we approach any project – whether it’s a renovation project, buying a car or planning a big vacation, we always check our credit score. That may sound boring to many of you but staying on budget and knowing our current financial status is super important to us.

Besides seeing your score for free, offers many paid for services and tools to help you manage and improve your credit. For those interested, there is more information available at, such as credit card ratings and ways in which you can repair your credit. They also have a blog on their website which shares great articles on topics such as 11 Ways To Improve Your Credit Score, What is a Good Credit Score, and 6 Ways to Lower Your Debt-To-Income Ratio.

Financial To-Do's Before Renovating

Financial To-Do's Before RenovatingThis past spring we finally completed our large backyard/garden project. Having confidence that we could do this project was made possible because we knew where we stood financially. Taking on a backyard project can be an expensive and stressful process but just knowing our score from helped us feel so much better about the process.

Financial To-Do's Before RenovatingAll-in-all, being financially responsible is one of the most important things you can do for your family and yourself. Do you check your credit score often or have any upcoming renovations in your future? Let me know in the comments.. I always like to know how others handle projects and budgets. For those interested in learning more, head to


More of my recent blog posts:

  • Click here for 12 Fall Drinks I’m Loving
  • Click here for my New Front Decor Design & Redo Plans
  • Click here for my Fall Guest Bedroom Refresh
  • Click here to see my “Hunting for Fall & Autumn Decor” in stores post

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12 thoughts on “Financial To-Do’s Before Renovating

  1. Thanks so much for sharing this, Kristy. Our home is under an extensive renovation as we speak. My husband and I set a strict budget and I think I drive the contractor crazy making sure we are sticking to it. HaHa I am an OCD planner, especially with finances.
    I love your home and try to recreate so many of your designs in my own home.
    Have a great day!

    1. Hi Stephanie,
      thank you so much for stopping by! I agree – it’s smart to stick to a budget but it can get difficult. You’re so sweet.. thank you! Xo

  2. The borrower is slave to the lender. If we don’t have the cash for something, we don’t get it! We save and buy everything with cash!

    1. Hi Jennifer,

      I get that. We like to use credit because we are the same way (we only put things on the credit card that we have actual cash for in a diff account) but we like to get points on our AMEX too! So it’s tough. Thanks for commenting and stopping by the blog :)

    2. Jennifer,
      Did you buy your house for cash as well? By the time you save cash for large purchase, the inflation will blow away your savings….. You are not a slave if you plan carefully. Plus, some places like home depo give you interest free financing.

  3. I always check my
    Credit score and it’s really good (800+) however I have a few projects to do and never know which to start first or how much I should really spend so I wind up. It doing any – help!

    Signed afraid to commit lmao :)


  4. We’re getting a new large stamped concrete patio next week. It took me a long time to decide what I wanted. During that time I saved up $1200 in my Ibotta app to put toward some new outdoor furniture. After that we need some landscaping around it and some trees. Hopefully winter stays away until we get it done. I love having good credit too. We helped my son up his number by putting our family cellphone bill in his name. We paid it, but it helped him when he needed to get an apartment after school was over. When he bought a new car he paid half in cash and got a loan for the rest. They told him not to pay it off before a year had passed to help too.

  5. Hi Kristy! I’ve been dying to know where that beautiful side table is from! I can’t seem to find it anywhere in your sources! The one in the very last photo, it’s sort of ‘parisian’ column looking, has a light gray ginger jar on top, so Gorg!

  6. Hi Kristy!
    I love the matching pair of floor lamps. Do you mind sharing your source?