DIY home improvement tips and when to call a professional

Citizens Staff

Throughout the U.S., completing a DIY home improvement project can be rewarding and cost-effective. You eliminate then cost of labor and can experience a great deal of personal satisfaction from transforming a space with your own hands. You will have complete control, and every detail can be customized to reflect your vision.

DIY home improvement projects work best when they involve cosmetic changes that don't require specialized skills. If something requires a structural modification, electrical work, plumbing, HVAC (heating, ventilation, and air conditioning), roofing or a gas line, it should be handled by a professional.

Let’s look at some DIY home improvement tips that can help you save time and money — and when you should call a pro instead.

Top DIY home improvement tips

Whether your goal is to make your home more comfortable or increase its curb appeal, some projects only require are a few basic tools and a bit of patience. The following DIY tips can help you achieve great results and keep your costs in check.

1. Shop for budget-friendly materials

You don’t have to spend a lot on materials to transform a room, and you don’t have to compromise on quality either. Many home improvement stores offer clearance sections or open-box deals where you can find discounted materials that were returned or have damaged packaging but are in perfect condition. Also look for sales to stock up on materials. Some retailers offer volume discounts if you ask.

Many people end up with surplus materials after completing a project, and you may find some great deals by checking online marketplaces and community buy-sell groups. Also, consider looking for used materials. Vintage sinks, clawfoot tubs, doorknobs, light fixtures and reclaimed wood can give your room a look and feel that modern materials can't replicate — but at a lower cost.

2. Paint like a pro

A fresh coat of paint is a cost-effective way to transform a room, but it's important to choose the right paint to make sure the finish will last. Latex-based paints work great for most walls, but for kitchens and bathrooms, mold-resistant paints are more durable. Investing in high-quality brushes and rollers also helps you achieve a professional finish.

Before you start painting, clean your walls and fill any holes or cracks. Applying a coat of primer also helps paint adhere better and can improve the outcome if you are painting over darker colors. To ensure an even finish, apply thin coats and let the first coat fully dry before applying additional coats.

3. Update fixtures and hardware

Replacing outdated cabinet and drawer handles, light fixtures and faucets is a quick and easy way to give your space a fresh look. When choosing replacements, consider modern finishes and energy-efficient upgrades. Brushed nickel, matte black or brass hardware can refresh cabinetry, while LED lighting fixtures can lower your electricity usage.

Many fixtures are designed for easy DIY installation. Basic tools — like a screwdriver, adjustable wrench and pliers — are usually all you need. Just be sure to follow the manufacturers’ instructions carefully to ensure everything is installed correctly.

4. Install backsplashes and flooring

Installing new backsplashes and flooring is easier than you might think since many of today's materials are designed with DIYers in mind. A peel-and-stick backsplash can be installed in an afternoon. Tile backsplashes take longer to install and cost more but offer a high-end finish.

For flooring, the most DIY-friendly options include laminate, vinyl plank and engineered wood. These materials are often designed to lock in place for easy installation — no nails or glue required. They’re durable, water-resistant and come in a wide range of styles. Manufacturers typically include step-by-step guides for easy installation.

5. Boost curb appeal

Simple landscaping updates — like planting flower beds, trimming bushes, adding mulch and filling in patchy grass — can make a huge difference in your home's curb appeal. You can also make your home look warm and inviting by giving your front door a fresh coat of paint or changing the color. Replacing faded house numbers can also make it easier for guests and deliveries to find you.

A well-lit exterior makes your home look more inviting after the sun goes down. It also improves security by deterring intruders. Installing outdoor lighting — like pathway lights or motion-activated fixtures — is an easy upgrade that you can do yourself. Solar-powered lights don’t require any wiring, and plug-in fixtures can often be installed in minutes with basic tools.

6. Enhance storage and organization

Improving your storage is an easy way to make your home feel more spacious. Installing custom shelving or adding closet organizers are quick projects that can help you eliminate clutter. Smart storage solutions — like wall-mounted hooks, under-bed bins, over-the-door racks and pull-out trays in cabinets — can also help you maximize your space without the need for an expensive renovation.

Multipurpose furniture can also be used for small spaces. Beds with built-in drawers, loft beds, sleeper sofas, folding dining tables as well as sofas and ottomans with hidden storage help you reduce clutter in rooms where every inch counts.

When should you call a professional?

Although you can tackle many home improvement projects yourself, sometimes it makes sense to bring in a professional. Some projects are unsafe to take on without specialized training. A professional can also prevent costly mistakes and ensure the project is done right the first time.

1. Electrical work

Electrical projects involve serious risks if completed incorrectly. Even simple projects, like installing a new light fixture or replacing an outlet could cause an electrical shock or fire.

You will also need to obtain a permit and meet strict code requirements to perform electrical work. If you don't follow these regulations, it could lead to a failed inspection or an expensive fine. Hiring a licensed electrician ensures the work is up to code, properly permitted and completed safely.

If you're on a budget, consider handling simple prep tasks yourself — like clearing work areas, cutting drywall or running conduit under an electrician's supervision. Also, if you have several small tasks, taking care of them in one service call may help you save on fees.

2. Plumbing work

Fixing a dripping faucet or replacing a showerhead are simple fixes that most people can do themselves. However, more complex repairs, like replacing leaking pipes, are best left to a plumbing professional.

If these repairs aren't done correctly, they could cause significant damage to your home. A slow water leak hidden behind a wall could lead to mold or structural issues, and a burst pipe could damage your flooring and furniture.

When planning a plumbing project, get quotes from at least three plumbers to compare prices. The materials you select also affect your costs, but this is one area where you don't want to cut corners. Durable, long-lasting materials are more expensive, but they can save you money in the long run by reducing the risk of leaks and repairs.

3. Structural changes and major renovations

For a major renovation or a project that requires a structural change, it's best to consult with a professional. Before removing any walls, determine if they are load bearing. Taking out a structural wall could compromise your home's stability and lead to expensive repairs. An architect or structural engineer can help you determine which walls can be removed and which walls can't.

A professional will also ensure you are compliant with all building codes. This not only protects you from costly fines, but it may also prevent future repairs or problems if you decide to sell your home later.

4. HVAC and roofing

HVAC and roofing repairs can be dangerous, and if the job isn't done right, additional repairs will be needed. HVAC repairs involve exposure to high-voltage electricity and refrigerants, while roof repairs involve the risk of falls. DIY roof and HVAC fixes may also void warranties or work guarantees.

Hiring professionals to service your HVAC each year and inspect the condition of your roof may help you save money in the long run. It can help you catch minor issues before they turn into major problems that require costly repairs.

The cost of professional labor

Hiring a professional can significantly increase the cost of a home renovation project. Professionals don't just charge for their time and labor, they also add overhead costs to their rates for insurance, tools and transportation. Rates vary depending on the type of work, the complexity of the job and where you live.

Be sure to compare rates before hiring a professional. Read online reviews to see if others are satisfied with the work that was done. Shopping around isn't just about getting the best price, it also ensures the work is done to the highest standards to prevent surprises down the road.

Leveraging home equity for renovation costs

Completing a home improvement project yourself helps you save on labor costs, but you may still have to finance materials and supplies. Many homeowners turn to credit cards or personal loans to finance their projects. However, a home equity line of credit (HELOC) typically offers a lower interest rate because it’s secured by the equity in your home, which can help you save money in the long run.

A HELOC is a flexible and convenient way to borrow. It’s similar to a credit card in how it works, and you can draw funds as needed up to your credit limit during the draw period. You also have the option of making interest-only payments during the draw period, which can help you keep your costs low while you are completing your project. After the draw period ends, you enter the repayment phase where you repay both the principal and interest with fixed monthly payments.

Get funding to start on your DIY home improvement

With any renovation, smart financial planning should balance professional and DIY home improvement costs. Creating a budget for your project can help you avoid overspending. A home equity line of credit (HELOC) can help cover costs without relying on high-interest debt. By planning ahead and knowing when to DIY and when to call in a pro, you can get the results you want without stretching your finances too thin.

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If you are taking on a renovation project, consolidating high-interest debt or you just want a worry-free getaway, a Citizens HELOC can help you right now. Click below to learn more about the Citizens FastLine® experience that gives you a personalized offer in minutes and funding in as little as 2 weeks.

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