Home Improvement

How To Create A Budget For Home Repairs

Every homeowner wants a beautiful and functional home. Homeowners can take matters into their own hands through home improvement, a great way to beautify and improve your home. 

Unfortunately, not all home repairs projects are created equal and some projects can be expensive. Some home repairs aren’t cheap, take longer than expected,  and can easily break any budget without proper planning. Thankfully with some thoughtful planning and budgeting, you can improve your home.  House flippers using hard money loans always budget for repairs. Budgeting for your home repair is easy once you create a prioritized list of repairs with quotes and estimates. Additionally, you can then plan a timeline for repairs based on your needs for home repairs.

Ready to repair your home? Here is how to create a budget for your home repairs. 

Prioritize Your Repairs

Like any homeowner, knowing what to fix or when can be difficult. Nothing can eat away at a budget faster than unexpected repairs, or too many repairs at once. That is why prioritizing your repairs is essential for a home repair budget. 

One dilemma homeowners have is picking what repair to focus on. Home maintenance is constant, so choosing and prioritizing repairs can be difficult. In order to budget and plan for home repairs, creating a priority list can help you stay focused and on budget. 

Before you start to budget it’s important to take note of what needs to be repaired in your home. While it may be easy to point out all the things you WANT to repair or fix in your home, it’s important to know what NEEDS to be repaired. 

When creating your priority list, you should sort repairs from importance, function, and cost. This way you can be sure to tackle the most important repairs first.  Repairing the kitchen is less important than fixing the dishwasher for example. 

By having a priority list you can start to budget for repairs and ensure that the most important repairs are completed. Planning for repairs and maintenance is key to maintaining a home repair budget. 

DIY or Professional

Once you assemble your priority list for repairs you are ready to take the next step to tackle your to-do lists. Whether it is working on a DIY or getting ready to call a pro, quotes are essential for your budget. 

While not all projects need a professional, getting a quote can help you plan for future expenses or maintenance and make it easier to plan for the future. Contractors and other professionals can have a large price tag so knowing what repairs you can complete yourself can be a major budget saver. 

There is certain licensed work that should only be done by a professional, such as repairing an AC system, electrical, plumbing, or some structural. If you do not know how to complete a repair, don’t risk doing a project yourself and call a professional in or you could get injured or cause major damage to your home. 

Here Are Some Examples Of When To DIY And When To Call In A Pro: 

  • Kitchen:
    • DIY – Refurbishing Cabinets
    • When To Call A Pro: Electrical Work
  • Bathroom: 
    • DIY: Frame A Mirror
    • When To Call A Pro: Tiling Your Shower, Plumbing Work
  • Living Room: 
    • DIY: Wallpaper
    • When To Call A Pro: Structural Changes (Removing Walls)

By dividing your list of professional work versus DIY projects you can create a priority list of repairs to save for. 

Creating Your Budget

Everyone has heard of home improvement nightmares where projects get too expensive, take too long, don’t turn out as expected, or never get completed. One way to keep your repairs on track is to use a budget. Budgets can be used not only to plan for expenses but to offer a timeline for a smoother home repair. 

Budgeting for your home repair is easy once you create a prioritized list of repairs with quotes and estimates. Additionally, you can then plan a timeline for repairs based on your needs for home repairs. 

Before setting money aside for home repairs, be sure to have a budget tracking your income, expenses, and payments. This helps you to plan for home repairs and set realistic goals for your home repair. Once you determine your monthly budget you can adjust expenses to start or begin saving for your repairs. 

From here you can reference your prioritized list of home repairs, with your quotes or estimates for repairs and plan according. Obviously large and costly repairs may not get completed the right way, but you can start saving for those repairs and plan for them. You may also find it easier to complete small DIY projects while saving for large professional jobs. 

A budget is not an end goal and will need to be changed as needed. Budgets can be adjusted for your needs, and work towards your goals. By creating and using a home repair budget you can plan, save, and complete your home repair to-do list!


Home improvement can often be a stressful topic for any homeowner. Planning is an essential part of any home repair. By creating a home repair budget you can have a plan to complete and tackle your home repair list. 

Steps to Create A Home Repair Budget: 

  • List and Prioritize Home Repairs
  • Get Estimates and Quotes For Repairs (DIY or Professional) 
  • Create Your Budget

Create Your Home Repair Budget Today!


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