If you are intending to make improvements to your home there is no getting away from the fact that they are going to have to be paid for. The question is ‘How?’. This will be best answered by employing the services of a financial planner. Whether your project is large or small they can analyse your household budget and based on the amount of money required for the home improvements determine which is the best method of financing it.
When a financial planner is helping you to plan a garden or home renovation project, their overriding objectives are to ensure that your cash flow is sufficient for you to complete the project and that there is no risk of you being unable to meet your normal commitments.
For smaller projects such as decorating, the amount of money required will not normally be that high, and it could be you are happy and willing to fund it from the cash you have in your savings account. It may well be that this is what your financial planner advises, however, they will assess if the increased value of your property covers any loss of interest you receive.