Your different month-to-month debt funds plus your new mortgage payment should add as a lot as no more than 43% of your gross monthly earnings. The Money Pit Home Improvement podcast is a nationally syndicated, call-in radio present and podcast that covers everything about home improvement and decor. Listeners are invited to name in with their home improvement questions.

If you have a darkish loft room or attic toilet thought, off-the peg skylights are a comparatively cheap architectural solution. Adding one or two will brighten any gloomy room, instantly transforming a space. But sadly, they weren’t so hot in the 1970s and ’80s, resulting in many householders ripping them out. So when you have a chimney breast bare of a fireside, why not reintroduce one?

A personal mortgage allows you to borrow a lump sum at a set interest rate and repay it over a set variety of years. It …