Create a budget! A lack of money should not cause you to forego your dream home. If you are trying to afford a home improvement project, then the first step is to create a budget. This way, you can see what you can afford to spend on home contractors, professional designers or architects, and other various resources. An important part of creating a budget is prioritizing what to spend your money on. For instance, you may have to choose between having the exact bathroom or exact kitchen you wanted. Or you may be interested in one type of flooring, but if you know it is out of your price range, then you can search for similar types of flooring that you can afford. By creating and following a budget, you can make smart decisions during your home remodel.