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What should I do if I don’t have enough money to renovate my house?

2025-11-06 10:15:32 Real Estate

What should I do if I don’t have enough money to renovate my house?

Decorating a house is a big deal for many families, but budget constraints often cause headaches. How to complete the ideal renovation with limited funds? The following are hot topics and practical suggestions across the Internet in the past 10 days, combined with structured data to provide you with solutions.

1. The recent popular topic of saving money during decoration

What should I do if I don’t have enough money to renovate my house?

hot topicsDiscussion popularityCore recommendations
"Poor dress style" is popularhighSimplify hard furnishings and focus on matching soft furnishings
Second hand furniture refurbishmentMiddle to highFind old items and DIY renovation through the platform
Renovation in stagesinPrioritize the completion of basic projects and gradually improve them
Decoration loan comparisonhighAnalyze each bank’s interest rates and repayment methods

2. Solutions for insufficient budget

1. Properly plan funding priorities

Divide decoration into "essential" and "non-essential" items, and give priority to ensuring the quality of hidden projects such as water, electricity, and waterproofing. Decorative parts can be added later.

priorityProjectBudget proportion suggestions
highHydropower renovation, waterproofing40%-50%
inwall, floor30%-40%
lowLamps, decorations10%-20%

2. Low-cost material alternatives

Choose cost-effective materials such as:

  • Ceramic tiles replace marble
  • PVC flooring replaces solid wood flooring
  • Latex paint instead of wall covering

3. DIY and second-hand utilization

Purchase second-hand furniture through platforms such as Xianyu and Zhuanzhuan, or personally participate in part of the construction (such as painting walls and installing lighting fixtures) to save labor costs.

ProjectSavings ratioRisk warning
second hand sofa60%-70%Needs inspection for cleanliness and structure
Sewing it yourself50%Need to learn skills

3. Financial instrument assistance

If short-term funds are tight, you may consider the following methods:

  • Renovation loan:Some banks offer low-interest special loans.
  • Credit card installment:Suitable for small expenditures.
  • Loans from relatives and friends:Make your repayment plan clear to avoid disputes.

4. References from netizens’ real cases

A Douban group user shared: "I spent 80,000 yuan to decorate 89 square meters. I searched for wardrobes on the second-hand market and painted the walls myself. I only spent 50,000 yuan on hard decoration and used the remaining money to buy appliances."

Summary:When the decoration budget is insufficient, you need to flexibly adjust the plan, focus on functionality rather than luxury, and make rational use of resources and financial tools to create a comfortable home.

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