Pay now, not for the next 15 years

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If possible, avoid taking out home equity loans and second mortgages just to finance a remodel. You’ll be paying for that new kitchen for the next 15 years. Instead, put money aside for a few months - or a few years if necessary - to save for a remodeling project. Then, pay in cash. This may not be possible for every project, but is certainly doable for smaller ones. The fewer loans and credit card bills you create, the less you pay overall. Plus you might get a better rate from a contractor by paying all at once.

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