"Brass offers a classic and timeless look while still feeling bold and contemporary," says Amy Biller Switzer, marketing manager at Emtek and Schaub. "We will see that continue into 2020." The finish blends nicely with most kitchen design styles, but we especially love the look of brass hardware against dark, moody cabinetry or a polished brass faucet that acts as a shiny focal point in a neutral kitchen. 
When the goal is rustic simplicity, there's no need to spend tons on custom cabinetry and granite counters. Paint transformed oak cabinets, bought off the rack at Lowe's and topped with Ikea's birch slabs, while the same white semigloss brightened stools from Walmart. An old tablecloth was used as a skirt for the farmhouse sink, and classic glass cannisters, also Walmart finds, were used for storage instead of upper cabinets.
You can remove walls and cabinetry if you have the space and the budget to do it. You can even combine this space with the dining room for one large, unified area, instead of having a bar or tall wall separate the two. If you live in a condo, check building codes to make sure you can knock out walls. Also, consult with a contractor, as they could recognize that the wall is connected to a supporting beam.
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Keep in mind, however, that some personal loan companies let you borrow only up to $35,000 or $40,000, which means you may need to consider another option if your borrowing needs are greater. Also note that while personal loans can offer fixed interest rates as low as 4 percent, the best rates and terms tend to go to borrowers with good or excellent credit.
As you would expect, seamless materials, such as granite, are more durable and more costly. In comparison, you can opt for materials that add less value, such as concrete, to keep your costs down. Whether you choose wood, marble, quartz, or limestone, you can expect to pay an average rate between $2,000 and $4,500 to install the countertops of your choosing.
Remember that the above numbers are averages. Just because most homeowners spend nearly 30% of their budget on cabinetry and hardware, that doesn’t mean you have to as well. If you think your floors are in really bad shape, spend more there. Even if you’re completely renovating your kitchen, you must spend and distribute your budget wisely. To ensure you’re putting your money where it needs to be, continue reading below.

Task Lighting: Under-cabinet lighting should be on your must-do list, since cabinets create such dark work areas. And since you’re remodeling, there won’t be a better time to hard-wire your lights. (Here’s more about under-cabinet lights.) Plan for at least two fixtures per task area to eliminate shadows. Pendant lights are good for islands and other counters without low cabinets. Recessed lights and track lights work well over sinks and general prep areas with no cabinets overhead.
When you're working with $15,000 to $30,000, you can leave more work to the professionals instead of doing it yourself. This might include refinishing or refacing your cabinets, painting the walls and ceilings, installing new lighting and rewiring some electrical work. You can also focus on replacing your flooring, if it's particularly worn, and look at more high-grade countertop material like stone (granite, Corian, Formica). You might be able to invest in custom cabinets, move some plumbing, or have an island installed in this price range, but you might have to compromise on other upgrades in the process.
With $10,000 and $15,000, you'll need to do some work yourself and hire a professional for the specialty work. If possible, purchase some of the materials before calling in the professionals. While contractors can get some materials for wholesale prices, it’s customary for them to charge extra for the purchase and labor. Save time and money by getting materials in advance and then paying for installation.
While most people do not realize this, dishwashers are much more energy efficient than washing dishes by hand. Individuals use too much water and soap when washing their dishes by hand. Dishwashers have been proven to save about 5,000 gallons of water each year and up to $40 on utility bills. This equates to a savings of over $400 during the average life of a dishwasher. Because this easily falls within the average price range of purchasing a dishwasher, it is possible to break even on a dishwasher at the end of its life cycle. 

"Brass offers a classic and timeless look while still feeling bold and contemporary," says Amy Biller Switzer, marketing manager at Emtek and Schaub. "We will see that continue into 2020." The finish blends nicely with most kitchen design styles, but we especially love the look of brass hardware against dark, moody cabinetry or a polished brass faucet that acts as a shiny focal point in a neutral kitchen. 

Sadly, most home remodeling projects do not return 100% of your investment. In fact, according to Remodeling’s 2017 Cost Vs. Value report, only one project will return a positive investment (attic insulation). Nonetheless, that doesn’t mean you should skip all remodeling projects. After all, if you plan to live in your house for another 10 years, you will enjoy those long overdue upgrades. You’ll get a higher sale price down the line and a higher quality of life living with a remodeled kitchen.
As is the case with many of the appliances below, your overall price will largely depend on the product you buy. We have seen refrigerator installation go as low as $200, but as high as $5,000. Nonetheless, according to Homewyse, the average price to install a new refrigerator is roughly $1,200. This price includes labor, site preparation, delivery and clean up. 

Once you have an idea of your kitchen remodel budget, play around with a loan calculator to figure out your next move. Determine how much your monthly payment may be considering your credit score, how much you borrow and how long you are willing to pay your loan. Also consider how your new monthly payment will affect your monthly cash flow and personal finances overall.
For those looking to remodel their kitchen within a tight budget there are several options including using an inexpensive countertop material like butcher block, refacing existing cabinets, adding new paint to existing cabinets, replacing existing floors with a laminate or other affordable material. And a fresh paint job can do wonders to refresh a kitchen. Using particleboard instead of plywood where it won’t be seen, doing the demolition of the kitchen yourself and other money-savers can help you get the kitchen of your dreams but without going into debt to do it.
Kitchen cabinet installation costs an average of $2,000 to $8,000, with the products themselves ranging from $75 to $1,500 per linear foot.Kitchen cabinets prices vary depending on whether you opt for custom or stock products, and your project price will also depend on whether you update them rather than replace them. These features often make a room's first impression. If they are dated or damaged, potential buyers may walk away underwhelmed.
Minor remodels aim to preserve the kitchen’s existing footprint while refreshing its overall appearance and usability. The significant changes are usually budget-friendly fixes like painting the walls, adding new flooring and buying energy-efficient appliances, since the customer isn’t selecting top-of-the-line materials or products. Cabinetry is often a lofty expense, but minor remodels opt for money-saving measures like refacing the existing cabinets or selecting entry-level cabinets, which are mass-produced and ready-to-install.
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