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Much as we wish it were otherwise, we are none of us made of money and we can’t afford every little renovation we’d like to do to our houses. So you’ll want to figure out how much you can afford, how much your various renovation projects are, and then pick and choose wisely. Some projects are more imperative than others, and some can’t be completed before a different step is accomplished. But the limiting factor will most likely be money.
Loans should be below 28 percent of your income
How do you figure out how much you can afford? A good rule of thumb according to Horizon Bank, a banking institution that distributes mortgages, "Any loan you take out for remodeling [should] still allow you to keep your total monthly housing costs under 28 percent of your gross income." Housing costs include private mortgage insurance, loan principle and interest, property taxes, and homeowner’s association dues. You should also consider how much total debt you have-school loans, car payments, credit cards, etc. Your total debt should generally remain below 36 percent of your gross annual income.
Websites provide free mortgage calculators
If you’re like me, figuring out those types of numbers are beyond what you can easily do with pen and paper. Luckily, there are many websites that offer free mortgage calculators for your convenience. They require you to enter the loan amount, the interest rate, and the number of years you have to pay off your loan. With this information, mortgage calculators can determine how much your monthly payment will be and how much of each payment goes towards principle or interest.
Get pre-approved before hiring a contractor
Horizon Bank also suggested that homeowners looking at renovating should "get pre-approved for a refinanced mortgage, home equity loan, or line of credit before [they] sign any paperwork with contractors or make decisions on project plans." That way, if the loan process is more difficult than you thought, you don’t waste the time of a contractor waiting to get started on your home, though you might get quotes ahead of time so you know how much of a loan you’ll need. Interview a variety of contractors so you can get the best price for the quality of project you expect. One good idea is to get references from past clients or to visit the site of a home they are currently working on.
Interior Decorating and Remodeling News Brought to You by EZSnapCovers.com
The holiday season is approaching faster than expected, and the clock is ticking to get your home ready to host family gatherings. But cleaning isn’t the only thing you should be thinking about. With family members congregating in your home, this is also the perfect time to upgrade and liven up that space. Use a few of these easy upgrades for your home during the holidays to get you started.
With winter fast approaching, our baseboard heaters have become an essential part of our everyday comfort. However, despite how much we need them to keep us warm amidst frigid temperatures, they could become a hazard for younger family members. As such, you must take additional steps to childproof your baseboard heating systems to prevent a tragic accident from occurring.
Measure the height from the floor to the top of the metal wall plate.
Follow our guide for baseboard heater cover measurement:
Any baseboard larger than 7 3/8" (188 mm) will be compatible with our standard cover.
Any measurement greater than 9 3/8" (238 mm) will fit our tall cover.
Measure from the bottom of the finned tube heating element to the top of the metal wall plate,
A measurement of 5 1/2" to 6 3/4" (140 mm – 172 mm) will fit our standard cover.
A measurement of 7 1/2" to 8 3/4" (191 mm – 222 mm) will fit our tall cover.
Measure the distance from the wall or the metal wall plate attached to the wall, to the outside of the finned tube heating element.
Any measurement of less than 3 1/8" (76 mm) inches from the wall will fit our
Any measurement of less than 3 1/8" (76 mm) inches from the wall will fit our tall cover.
EZ Snap™ Wall Widgets are used when your old or existing wall back plate has been removed or if you have to hang your new cover 1 inch or higher to bring them up to a height that will fit our installation guidelines. Just measure your overall desired height, subtract 1", drill a hole, preferably in a stud and attach it to the wall with the included screw.
EZ Snap™ Floor Fidgets easily raise your new covers ¾ inch to compensate for any ¾ inch floor (wood, tile, or other) that has been installed any time since your baseboard heater was originally installed. May be used for any reason when the overall height has been shortened and the total height is less than 7-½ inches for standard height or 9-½ inches for the TALL height EZ Snap™ BaseBoard Covers. Just use the self-tapping screws to secure them to the top of your existing wallplate.
EZ Snap™ Wall Contraptions are used when your wall back plate has been completely removed. EZ Snap™ Wall Contraptions receives your EZ Snap™ BaseBoard Cover and keeps your aluminum fin tube from sagging. These completely replace your wall back plate. To install, slide up from the bottom and make sure the top is at your desired height. Screw to the wall, then bend the front finger up to hold the fin tube in place.
Measure from wall to wall and subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 2 flush to wall end caps.
Measure the overall length of the existing unit with ends attached then subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 2 Closed or Open-end caps.
Measure from the corner to the end of the unit with ends attached then subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 1 Closed or Open-end & 1 flush to wall end cap.
Measure the left side from corner A to corner B (see diagram). Then subtract 3 inches for the 90 degree inside corner, then subtract another ½ inch (to allow for wiggle room when installing your new covers.) Repeat for the right side if also wall to wall. You need to subtract a total of 3½ inches from each side that is wall to wall. Choose your end caps.
Measure the left side from the corner of the wall to the end of the unit with ends caps. Then subtract 3 inches for the 90 degree inside corner, then subtract another ½ inch (to allow for wiggle room when installing your new covers.) Repeat for the right side. You need to subtract a total of 3½ inches from both left and right sides. Choose your end caps.
L-Shaped outside radiators ending in the middle of the wall:
Measure from outside corner of the wall A to the end of the radiator unit with end caps attached B, then subtract ½" (to allow for wiggle room when installing your new covers.)
Measure from outside corner of the wall to the corner of the wall, then subtract 1/2" (to allow for wiggle room when installing your new covers.)
Left leg - measure from the corner out to the end of the radiator subtract 3" for the corner and ½ (to allow for wiggle room when installing your new covers.)
Center leg - measure from corner to corner and subtract 3" for each corner a total of 6"
Right leg - measure from the corner out to the end of the radiator subtract 3" for the corner and ½" (to allow for wiggle room when installing your new covers.).
We recommend that you order covers a little longer than normal and cut them on site, as there are many opportunities for mistakes in measuring and installation. By cutting on site you can fit and cut to fit. The covers can be cut with a good quality jigsaw and a fine metal cutting blade.
Now that you’ve learned how to measure baseboard heaters,
you’re ready to order.