Daily Home Renovation Tips每日家裝修秘訣

OK, so you need to pay for all of these home renovation expenses. 確定，所以你需要支付所有這些家庭裝修的開支。 What to do? Of course you already have estimated how much the renovations are going to cost and how you will pay for them and will stay within that budget, right? 怎麼辦呢？當然，您已經有估計有多少裝修要成本和您將如何支付這些仍將保持在這一財政預算案，對不對？ Well, OK, maybe not. Make sure you can afford the costs of your renovation. 好，好，也許不會。確保您能夠負擔得起的費用您的翻新。 [this is the point wherein we direct you to your own financial advisor for such things and tell you not to spend more than you can afford, but you’ve heard that all before, right?] [這一點，其中我們直接連結到您自己的財務顧問，為這些事情，並告訴你不花費超過您可以負擔得起，但你聽說所有之前，對不對？ ]

Bank lines of credit; if you can get them secured on your house the interest rate will be less than an unsecured line of credit. Those big box renovation stores [you know the ones we mean] have their own credit cards with promotions every once in a while such as ‘Spend $299 or more and don’t pay for 6 month’. 銀行行信貸;如果你可以讓他們有擔保就你的房子利息將少於一無擔保的信用線，那些大盒翻新店[你知道那些我們的意思]有自己的信用卡促銷活動，每一次在而如'花299美元或以上，以及不支付六個月。 Every once in a while it’s extended for 12 months. 每一次，而它的延長12個月。 Now, usually when its 12 months most of their products are not on sale, so you have to judge are you really saving any money. Credit cards…….avoid them like the plague because of their EXTREMELY high interest charges if you cannot pay off the balance at the next statement due date; with one exception. You know those checks / cheques you receive in the mail from them. 現在，通常，當其12個月內，他們的大部分產品是不出售的，所以你必須判斷，你真的有任何節省金錢。信用卡… … 。避免他們像瘟疫，因為他們非常高的利息費用如果您無法償清平衡在未來到期日的聲明;有一個例外。你知道那些支票/支票，在您收到的郵件從他們。 Sometimes those checks / cheques offer you EXTREMELY low interest rates in the 2.9% or 3.9% range for 6 months. 有時這些檢查/支票為您提供極低的利率在2.9 ％或3.9 ％ ，範圍為6個月。 Then they can be terrific as these rates are lower than any bank line of credit……as long as you can pay them off within the 6 months time frame, otherwise the rate goes back up the the regular 25%, 28% pa or hghter. 然後他們可以很棒，因為這些利率均低於任何一家銀行的信貸線… …只要你能支付它們趕走內的6個月時間內，否則率可追溯到了定期的25 ％ ， 28 ％壩或hghter 。

And, not all of the credit card checks offer the EXTREMELY low interest rates so read the fine print before using them.和，並非所有的信用卡檢查提供極低利息，所以可閱讀打印之前，使用它們。

We’ve used all of the above to help finance our home renovations.我們使用了上述所有，以協助支付我們的家翻修。

Above all, watch the dates due on these low financing and, again, don’t buy off more than you can affort……after all, do you really need that solid gold toilet?上述所有，觀賞的日期，由於對這些低融資和，再次，不要購買過以上您可負擔的… …畢竟，你真的需要堅實的黃金廁所？