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America has caught home renovation fever, with thousands of ways to reimagine your home. These are the three most important points when planning your next home project.

1. Work with a designer. This might sound like a luxury, but in many cases, a designer will save you money. Their expertise can help you avoid costly mistakes and they have plenty of cost-saving tips.

2. Budget. Talk with designers and contractors and do some research to find out the estimated expenses for your project, then sit down and write out a budget.

3. Financing options. Put away your credit card! Marcus by Goldman Sachs recently began offering personal loans specifically intended for home improvements. They have low fixed rates, no sign-up fees, no prepayment fees and no late fees. Available to individuals with a FICO credit score of 660 or above, these loans range from $3,500 to $40,000.