As the New Year gets set to arrive, is it time that your home got a makeover? For millions of people, the idea of makeover sounds perfect. Then again, how they will pay for it is oftentimes the biggest elephant in the room. With that being the case, the best road to travel is one where you have a plan, a plan that is well thought out ahead of time. Do you want to do major or minor home improvements? Can you afford the former with the money you currently have in your possession? What kind of timetable are you…

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