Post # 1
My FI and I are fed up with so many aspects of the current house we live in. Our backyard resembles a jungle. It is the biggest dump ever. Our front yard isn’t any better. It is flooded with too many trees and there is no curb appeal whatsoever. The latest annoyance is a broken door that was the straw that broke the camel’s back. I told him that we need to do a major improvement on this home.
We would have to take out a loan to get what we want and need done how we would like it. In your opinion, would it be worth it? I hate being in debt, but I am at the point of being so annoyed with this house that I am ready to bite the bullet.
My concerns beyond my frustrations have to do if it would be worth it for the home value. Right now, our home wouldn’t sell even close to what it should be worth. I owe that to the crappy market, but mostly to how disgusting the house looks.
Has anyone been in a similar frustrating situation with going back and forth on biting the bullet on spending a fortune/taking out a loan for a home and yard makeover vs. dealing with the ugly mess?
Thank you for bearing with me if you got this far. I apologize for the mess and length. Thank you!
Post # 3
I wouldn’t necessarily take out a loan, but I’d definitely look into tackling the project. Can you post pictures, or inspiration pics?
You could always hire a landscaping company to do the work in stages, as you can afford it. You’d be surprised at the cost once you start getting quotes.
Post # 4
Do you really need to take out a loan? From your post, it sounds like you need to do some yard clean up, maybe some painting, and get a new door? Doesn’t sound like that would be a ton of money. You can rent or borrow yard tools. If you have any gardening friends, I’m sure they would happily give you starts of perenials, if you need to do some planting.
Does it all need to be done at once? Meaning, can you get a new door now, clean up the backyard this fall, and save the front yard reno for next spring? If you’re undecided about taking out a loan for this project, I would say don’t do it, I think there are ways to complete all these tasks without going into debt.
Post # 5
I also support the idea of tackling the clean up/makeover in stages. I don’t think taking out a loan is worthwhile, but a lot can be done with some “sweat equity” start by just cleaning things up, and pruning back the greenery that is overgrown, then make a plan you can implement in stages, as you have the time and money. That is how me and DH are approaching the landscaping of our home (it is a new build, so our yard is just a mud pit at the moment), when we have the money we buy whatever supplies, and plants we can afford, and get those in place, then decide what needs to be done next. It is somewhat slow going, but doing it quickly and owing money would make me uncomfortable!
Post # 6
Good points. The door needs to be replaced right now. We need to redo the backyard soon. It is an eyesore to the point that I’m embarrassed to look at it. The front yard is our second task. I really don’t want to go in debt (I’m already in student loan debt and that is bad enough imo). I will talk to my FI tonight and we will talk it through. He is very handy as are his friends. We will however need to hire someone to take the trees down and help us with the backyard.
I wish we weren’t home owners!
Post # 7
I don’t think you should take out a loan because you might not make the money back with your improvements. I agree with PPs that it sounds like a lot of the stuff could be tackled on your own in stages. Especially with the market the way it is, you don’t want to take out more money on your house.
Post # 8
We used to flip houses and bought many of them super cheap because of cosmetics. Giving a house curb appeal adds serious $$$ to its value. Houses with awesome curb appeal are the only ones selling well right now. That being said you don’t necessarily have to go further into debt to gain it. Call around and get some free estimates. Ask each company what they would do to your house if they were you. What they would do if money were no object. You can get lots of great ideas this way. Then tackle the work it spurts. Some of those ideas you can tackle yourselves immediately, others you will have to wait on. Don’t feel bad about using their ideas since you will have to hire one of them at some point to complete the transformation. Also check if any colleges near you offer classes in design/landscaping/tree trimming (some trade schools community colleges do). They might be able to give you ideas or want to take you on as a project. (We can hope, right!) Also you can check and see if you have any salvage yards near you that carry architectural elements. We have gotten old doors/porch railings/gingerbread trip for super cheap. Just strip, refinish and hang for a fraction of the cost of new. Good Luck!
Post # 9
Seriously. it sounds like its just super overgrown and needs some love. I wouldnt go into more debt for work that you can definetly handle yourself. A lawn mower, weedwacker, an edger, some mulch, and maybe some hedge clippers will do wonders. It might take a few weekends but it will be worth it.
And yes, youll probably need a professional for the trees…but you can trim some of them up on your own. Borrow a chain saw or for limbs high up they sell a thing for around $50 that will chop them.
Post # 10
Don’t go into debt over your yard. I know how hard it is because we have no grass in our backyard.
I agree try to tackle what you can when you can. A good weed eater, rake, and clippers can do wonders on an overgrown yard. Even look at taking out a few of the smaller trees on your own.