How To Budget And Finance Your Home Improvement Project

Before you undertake any home improvement project, you should start off by having some home improvement companies come out to your house to inspect and evaluate what home renovations you want done, then have them present you with the home improvement estimates.

If you only rely on one or two quotes you risk paying too much for the job. You should get some home improvement estimates from several companies to get a feel for how much you should be paying for the home improvement job. You will also get a good idea of what to budget for the home improvement job. It is important to keep a budget, as it keeps you from overspending and within budget.

If your home improvement is a big project, you should consider getting a loan from loan companies to finance your home renovation project. This type of financing is now easier than ever to apply for. If you are working then obtaining financing should not be too difficult as long as you can afford the repayments on the loan. Before approving the loan, loan companies usually need to check your credit and see if there are any defaults or non payment in your credit report.

The easiest way to search for home improvement loans is to have a broker search for the best possible deals and loan providers. Ask the broker to seek out which loan companies offer the best deal on the amount you would like to borrow. Of course, you should select the loan company that offers the lowest APR.

No matter what type of renovation you want to do, most loans can cover it. Loan companies do ask you to specify the type of improvement you want to do to make sure you are not over borrowing. Loan companies usually give out secured loans, which are loans secured on your house. However, if you have an excellent credit score, you are qualified to apply for unsecured loans.

Entering into any loan agreement with a loan company is a serious responsibility and you have to make sure you are on time with your payments and do not fall behind, or your house is in jeopardy.

Taking out a loan is a serious decision and something you should give serious thought to. Once you decide to apply, your improvement project will be underway, and you will have a beautiful home to look forward to.

Floor Maintenance

Here at DBS, we offer professional and thorough floor maintenance services. Our floor cleaning services are available on all types of flooring including VCT & vinyl, ceramic tile & grout, carpeting, hardwoods, and concrete. Here’s a full list of services we may

Here’s a list of services DBS can provide based on your specific flooring.

VCT & Vinyl Flooring

Stripping & Refinishing – protects the floor from damage and optimizes appearance
Removal of all old floor finish (stripping)
Thorough cleaning and rinsing of the bare floor surface
Reapplication of several coats of new floor finish
Scrubbing & Recoating – protects the floor from damage and optimizes appearance (cost-effective alternative to stripping & refinishing for well-maintained floors)
Machine cleaning of all old floor finish (scrubbing)
Thorough cleaning and rinsing of the clean floor surface
Reapplication of at least 2 coats of new floor finish
Buffing and Burnishing – restores the shine to finished floors to keep them looking their best (frequency varies depending on traffic and desired result)

Ceramic Tile Flooring

Machine Scrubbing – Thoroughly cleans and removes stains, soil and grime from ceramic tile and grout.
Machine cleaning/scrubbing of all tile and grout to loosen dirt, debris and grime
Vacuuming all tile and grout to remove loosened dirt, debris and grime
Rinsing of clean floor surface
Sealing of tile & grout (optional)

Carpeted Flooring

Hot Water Extraction – The most thorough and cost effective carpet cleaning available (recommended by most carpet manufacturers).
Stains are pre-sprayed with a cleaning agent
A solution of hot water and detergent is sprayed into the carpet fibers
Carpeting is agitated to loosen dirt and soil
Dirt, soil and detergent is vacuumed (extracted) out of the carpeting

*Dry/waterless options are available (inquire with your DBS representative).

Hardwood Flooring

Restoration & Refinishing – Our process removes scratches and wear, and restores the beauty of your hardwood floor, with no dust or odor.

Concrete Flooring

Resurfacing – Our process provides you with the most cost-effective method of resurfacing and maintaining your concrete flooring. Floor coatings come in a wide variety of colors and finishes, and you can walk on the floors 24 hours after completion.

Foam Mattress Topper – The Balance Between Comfort And Affordability

The most widely recognized mattress you will discover is the spring mattress. The bed is reasonable for any individual who needs their body upheld. In the event that you are the kind of individual who battles to get up in light of the fact that there are an excessive number of spaces, the firm spring furniture is ideal for you. The firm spring highlight is likewise better for your portability while you rest. Pad beat full size memory foam mattress have an additional layer of padding sewed into the mattress. In spite of the fact that the bed is firm, it is additionally sufficiently delicate for you to make the most of your sleep without awakening with back or neck torment. Memory foam mattresses are ideal for any individual who requires additional solace without sinking too far into the bed. The material utilized will help anybody battling with agony or distress.
Latex mattresses are a type of foam with various properties to the memory foam. The latex is impeccable to help you with back agony. The immovability is sufficiently hard to bolster the individual yet sufficiently delicate to feel greatest solace. Gel mattresses are another division of the full size memory foam mattress. With this bed there is more temperature control, which is missing in the memory foam bed. It’s awkward to rest in on the off chance that you have back and strong torment however it’s more terrible on the off chance that you are always moving hot from around to locate an agreeable position. The ruler mattress size will contrast contingent upon the outline and style. The normal ruler mattress measures 60 inches wide by 80 inches long. The bigger (Olympic) forms measure 66 creeps by 80 inches long.
Advantages of Ruler Mattresses
Its greatest advantage is the additional resting space. The Olympic size is very speaking to the individuals who need an open bed yet don’t have the space for a lord bed. For tall individuals, mulling over this king size bed mattress implies your hands and feet no longer need to dangle out from the bed. Hanging hands and feet frequently cause deadness the next morning.
Space Contemplations
The measurements of the ruler bed will enable you to put extra furniture in a little room. For instance, you can put a bedside table contiguous it. With an extra large or California ruler bed, it may not be conceivable.
Extravagant mattresses are inconceivably delicate and ideal for any individual who finds delicate surfaces agreeable to consider. The extravagant may not be the same as memory foam but rather will take the state of your body to some degree permitting you a straight spine as you rest. Mixture king size bed mattress are two placed in one. The springs have been joined with memory foam to guarantee you have appropriate support and solace. The half and half make is less demanding to move around in while you rest without stalling out inside the memory foam. The most ideal approach to ensure a bed set is ideal for you is to give it a trial. While it might be advantageous to purchase on the web, it can likewise be hazardous. Make a point to lie on the bed in different positions, and pause for a minute to look over your body to check whether the bed is hitting any weight focuses or bringing on distress. A bed is among the most well known furniture out there and ought to be the principal household item you ought to consider for your solace.

Building Maintenance

DBS is not your typical cleaning company. You can count on DBS to be your One-Stop-Shop for all your janitorial and Building Maintenance needs.

From Multi-Tenant buildings and Fitness Centers to Manufacturing Facilities and Banks, DBS can be counted on to clean your facility and maintain your premises. Aside from general cleaning services our Service Professionals specialize in many areas of Building Maintenance, including:

General Maintenance

Window Cleaning
Duct & Ventilation Cleaning
Painting
Snow Removal
Light Bulb Replacement
Handyman Services

Floor Maintenance

Stripping & Refinishing Vinyl Flooring
Burnishing (Buffing)
Carpet Cleaning
Tile & Grout Cleaning & Sealing
Concrete Resurfacing
Hardwood Restoration & Refinishing

What sets us apart from the competition?

We Listen – A DBS Representative will visit your facility to discuss your cleaning needs and expectations.

Industry Experience – Our Representatives have the experience to use your input, as well as their own industry knowledge, to create a janitorial program that will exceed your expectations.

Flexibility – Each customer receives a customized Service Proposals, tailored to meet their specific needs. This means you get the services you want and need, and you do not pay for services you don’t need!

Call or fill out the form above to have a DBS Representative contact you to provide a proposal for your building maintenance needs.

Creating A Home Improvement Plan

You’ve got your eye on the out-dated kitchen or you think you might want to just tear up your carpeting and install hardwood floors, but before you start to rip out the cabinets or the carpet make sure to establish some guidelines for your home improvement plan. A good home improvement plan should take into account: budget, financing, scope of work, functionality and aesthetics, resale value.

Budget Considerations

One good way to find out what you can afford is to simply get three estimates from contractors. Discuss what you want with the contractor and if the estimate is high, ask them how you can reduce the costs. The estimate should be separated into cost of materials and cost of labor. By getting a professional opinion first, you may find that the bids are very similar and you have a good starting point for the high-end cost of your project.

Now, you can begin to factor in whether there is some work you can do yourself. This will improve the amount of cash outlay necessary to complete the work. Another way to get to meet your budget is to shop for a cheaper source of materials or change the type of material used. Either way, these are highly flexible items in your home improvement budget.

Sources of Financing

If one doesn’t have the money, the inclination is not to do the home improvement. Cash, however, is not the only way to pay for a home improvement plan, you can also finance. If you find you don’t have enough cash, you can use a home equity loan to finance the remodeling of your home. Try to identify additional forms of financing in case you need additional monies to complete the project. In the end, a home improvement project should add to the resale value of your home for it to be a sound purchase.

Scope of Work

This is where a good plan is essential. If you are planning a major remodel, you will want some basic plans drawn up, preferably by a professional. You don’t want to find out later that the wall you envisioned removing for a more open space is a critical weight-bearing wall. Similarly, you don’t want to plan for electronic appliances and devices in an area where there are no outlets. If you plan on revamping a kitchen, the dimensions of workspace and appliance real estate are very important. Don’t try to eyeball it or you’ll end up paying for it later in time, additional work, or wasted purchases. By trying to define the scope of the work on paper first, you can bypass many of the simple problems that arise from not having thought the improvement plan out thoroughly.

Functionality And Aesthetics

Obviously, we don’t just want to substitute one thing for another, we want the new home improvement to outshine the old room. We want it to work better for us and we want that ah” factor too. Have you done your research on the functionality of the appliances and space arrangements? How about the aesthetics and maintenance of the materials you chose? Does the improvement help to accommodate the growing needs of your family? Will it continue to be of service after 5 years? 10 years? These are all factors that should be considered and weighed against budget, scope, and resale value.

Resale Value

This is a tricky value that can’t really be foreseen that much. We know that kitchen and bathroom remodels recoup the most on the sale of the house. No home improvement will recoup 100% of the price it took to remodel, however, if you are in a climbing real estate market that might not matter. What you don’t want to do is to add a home improvement that detracts from the value of your property. Adding a fifth bedroom in a neighborhood of four bedroom homes would be detrimental to the value of your home. Adding a swimming pool in areas where houses with pools don’t sell well would also be considered an investment that could not be recouped. Some people still do it anyways. The point is that most home improvements are done to meet the needs of a particular family and the desire for a more comfortable living space. While resale value is important, it is just one of the many considerations that have to be evaluated in a good home improvement plan.