Home Improvement – How to Recession-Proof Your Home Improvement Plans

As the 2022 recession lingers into its fourth year, many consumers have closed their wallets to a long list of “big ticket” purchases, and home improvements appear to be riding the top of that list.

According to a 2010 Bigresearch.com study, home owners are throwing their home improvements plans out the window like burnt toast. Over 20% of those surveyed said they were putting-off all forms of home improvement indefinitely. Interestingly, this percentage ranked second highest among all survey questions, with only “vacation travel” showing a higher figure (25%).

With cash reserves at a premium, many home owners have simply decided to wait on making improvements, and understandably so. Faced with record unemployment, higher costs of living, rising taxes and a dim view of any short term changes for the better, who could blame them?

Worse yet, home improvements have historically yielded very low returns when compared to their actual cost. In fact, Remodeling Magazine’s 2009-10 “cost vs. value” report reveals that home owners, on average, recoup less than of 65% of the money they invest in their home improvement projects.

But before you conclude that your home improvement plans should be scraped, let’s take a step back.

There are very few home owners who wouldn’t admit to needing some measure of improvement to their home. Whether it’s as simple as repairing the leaky faucet gasket that drives you crazy with its relentless dripping, or an unreliable front porch light fixture that leaves you fumbling around in the dark when you return home from a long day at work. Every house has its deficiencies.

But with a recession in full bloom, and statistics showing little to no hope of ever getting your money back, why would anyone bother with a home improvement project?

Though at first it may seem like a lost cause or verging on lunacy, there are simple solutions that many consumers are using to solve this problem.

First, let’s address the big one. The statistics from Remodeling Magazine and other similar resources, assume that a building contractor is being paid to perform all the labor and to supply all the materials. And if you assume, on average, approximately 50% of the total costs of most home improvement projects will be attributable to labor and fees, you can literally transform the investment returns by performing the majority of the work yourself. What was once a 35% loss becomes a 30% gain by simply providing your own labor force. Not a bad return in any economy.

Second, although the IRS does not allow deductions for most voluntary home improvements, they do allow you to add the costs of your improvements to the cost basis of your home. And for tax purposes, this will help minimize any tax burden you might face when you sell your home. I don’t claim to be a tax expert, but you can easily verify your cost basis and tax deduction options by talking with you’re tax accountant.

So how do you perform the work yourself? If you think tackling your home improvement project is beyond your ability, you’re in for a surprise. It’s not!

Like many things, the more you do something the more proficient you become, but construction is not terribly complex. It doesn’t require years of schooling and technical expertise to comprehend. It’s not brain surgery. It’s arguably more art than science. In fact, if you can draw a straight line, read a measuring tape and you don’t mind getting a little dirty you’re a perfect candidate for tacking your own home improvements.

Minimizing the more difficult projects like relocating load bearing walls, or changing roof lines, can make the project much easier and less costly. And you may need a licensed electrician, plumber or other skilled craftsman along the way, but if you use them sparingly and only when absolutely required, you’ll save a tremendous amount of money.

There are plenty of free resources you can use to estimate material costs, determine the right tools to use, and establish the right strategy for actually getting the work done efficiently.

So start with online resources. There are thousands of them. You’ll find estimating tools, materials suppliers and hundreds of “how to” manuals. Even the “Dummies Store” can be a great resource. And don’t hesitate to talk with the professionals at your favorite material supply store when you need advice. Asking for assistance and opinions from someone you trust (a neighbor or relative) can also be extremely helpful. Most of the expertise you need is at your fingertips, and it won’t cost you a penny.

Don’t forget to check with your lender, your city officials (construction permitting) and any governing HOA for the requirements they may have related to your planned improvements.

And if you don’t have the tools you need to complete a specific part of the project, remember tools can be rented. And you can find them in most pawn shops for pennies on the dollar. Don’t assume you have to buy “new” tools.

The benefits of this straightforward strategy are multi-faceted. Not only can you enjoy the convenience of your improvements, but you can enjoy a tremendous return on investment at the time of re-financing or sale.

And in light of the economy, it’s not a bad way to get the family, friends and neighbors involved in something productive, something everyone can contribute to and something everyone can enjoy for years to come.

Discover 10 Reasons Why Businesses Implement Change

In many small and medium sized businesses there is little or no strategy to improve the fortunes of the organization. This may happen in good times as well as bad and may result from a belief that:

If it is not broke don’t fix it
The business is in a niche market with no competition
No skills are available in-house to make proposed changes
The business owner is retiring – it will be someone else’s problem
And so on
The lack of a desire to continually develop and improve the business encourages a reactionary mode within the business, rather than a more desirable pro-active stance. Why is this important? Generally a reactionary organization fails to take business planning seriously and is more focused on resolving current issues than establishing a mechanism to allow problems to be anticipated and actioned prior to becoming an issue. The import of this can be found when comparing organizations that:
gain success on an on-going basis
are able to more easily attract skilled staff
train staff in order to raise the skill set within the business
have set their goals and know how they are to be achieved
with those businesses that do not. Pro-active focused businesses are generally the winners. Businesses do move into a pro-active mode, but what inspires the business owner to take such a step? Ten of the most frequent reasons for change within a business are:
1. Third Party Intervention
A financial institution that has supported the business may seek improvements in the business performance to reduce a potential risk to their investment. This may prompt the business leaders to take improvement actions that were previously alien to satisfy the institution and reduce the risk to their own assets that may be held as a guarantee against the investment.

2. Sales Decline
There may be a serious decline in sales. Competition, new technologies, a failure to meet the customer needs and expectations, a history of poor product development and introduction or poor marketing may all be contributory factors in reduced sales and be the catalyst for the business owner to change the approach to the business development.

3. Management Buyout
The chief executive is removed through a buyout by the other directors and a changed business approach ensues.

4. Takeover
The business is acquired and the policies and practices of the acquiring business are adopted and introduce a proactive approach to the business. This may follow the appointment of new executive directors.

5. Lack of Internal Skills
The dearth of management skills within the business may trigger the appointment of an external senior executive who brings new methodologies, planning and enterprise to the business.

;6. Family Business ‘Turmoil’
The autocratic control of an owner may at times only be changed through the realization that permanent family divisions are undesirable. It may well be the opportunity for perhaps the ‘university educated next generation of family’ to demonstrate their abilities in setting and achieving sustainable growth strategies and managing the culture change.

7. Raise Capital
The success of raising new funding may be dependent upon the appointment of an executive or non executive director to oversee the business on behalf of the provider. Such an appointment will add new skills to the management team as well as promote improved business practices.

8. Exit Strategy
A business owner may realize that in order to optimize business value at the expected time of his/her exit, changes in the way the business is run will be necessary. The delegation of responsibilities, training of staff and implementation of strategic plans may be areas exploited to reduce the dependence of the owner on the business.

9. Delegation or Renegade Action
When the business owner does not have the skills necessary to effectively manage the organization authorities may be delegated to or sized by an opportunist director to manage the business. A weak unskilled business owner may be relieved that some responsibilities have been re-assigned, however, should the delegate or opportunist fail to match expectations more severe difficulties may arise for the business.

10. Project Based Change
Should implementation of an improvement project be planned, but internal resources are not sufficient or capable of managing the change, the appointment on a fixed term contract of a consultant or interim manager may be a desirable option. Change can be implemented with less interruption on staff conducting their normal duties.

The business owner should always control the business and this is easier to achieve if change is planned, well managed and is aligned to the goals of the organization.

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