The 50/30/20 Allocation for Renovations
Split funds with a simple rule: 50% on core fixes and high-impact upgrades, 30% on finishes guests notice, and 20% reserved for surprises. Add delivery, disposal, and permit lines so hidden costs do not ambush you later. A reader in Portland saved a weekend by pre-pricing trim, caulk, sandpaper, and returns. Protect at least 10–15% as contingency to stay calm when plans inevitably flex.