Like any major purchase, you should only spend what you can afford to spend. That means setting a budget and sticking to it. Kitchen remodeling costs can go from moderate price to exorbitant ones. If you work with a professional kitchen designer, he’ll help you make the most of it – and he’ll respect the budget you’ve set. As for payment, there are a number of options. Some homeowners tap into personal savings to get the kitchen of their dreams. Others take out home equity loans. And many times, professional kitchen/bath firms will work with lending institutions to offer financing options much like car dealers do. If you’re buying a house and know you’ll need to remodel the kitchen, you may be able to incorporate the costs in your mortgage.