Honestly, I think it’s nearly impossible to stick to the original list once you’re knee-deep in a reno. There’s always that “while we’re at it” moment—suddenly the basic faucet just looks sad next to shiny new countertops. I always tell myself I’ll be disciplined, but then the upgrades start to seem like essentials. The buffer? More like a suggestion than a rule, at least in my house. Sometimes I wonder if anyone’s ever actually stuck to their plan without adding at least one splurge.
HOW DO YOU HANDLE SURPRISE COSTS WITHOUT WRECKING YOUR FINANCES?
The “while we’re at it” syndrome is so real. I’ve been through a few renos now, and every time, there’s that slippery slope—one upgrade leads to another, and suddenly you’re justifying a smart thermostat because, well, the old one “doesn’t match the vibe.” I try to keep myself in check by setting a hard cap on the budget, but honestly, there’s always something unexpected.
One thing that’s helped is prioritizing anything that improves efficiency or sustainability. If I’m going to splurge, I’d rather it be on insulation or water-saving fixtures than, say, fancy drawer pulls. Not that I haven’t caved on those too... but at least I can tell myself the bigger ticket items are investments, not just indulgences.
I do think it’s possible to stick to a plan, but only if you’re really strict with yourself—or have someone else to play the bad cop. Otherwise, yeah, the buffer is more like wishful thinking than an actual safety net.
the buffer is more like wishful thinking than an actual safety net.
That hits home. I always *think* my contingency fund is enough, but then the plumber finds 1970s wiring behind the wall and—poof—there goes the cushion. I’ve started forcing myself to wait 48 hours before green-lighting any “while we’re at it” ideas. It’s amazing how much less urgent that new backsplash feels after a couple days. Still, I’ll admit, I caved on the heated towel rack last time. No regrets, though...
