Now, if you answered "After", you were probably just too shy, or are in denial (kidding). But if you said "Before", well, at least you know you have a problem, and you can fix it.

You don't have to call the reality TV show guys for a televised makeover of your home or property. You just need to have your local builder make a quote of your home's improvement costs. And then you can apply for a home improvement loan.

Your goal is to apply for the home improvement loan with the lowest interest rate. But don't just jump on the first one that looks promising. Shop for quotes, and then choose the best. Ideally, you should borrow money above the quoted price of your builder, just so you won't run into money shortage in the middle of the construction.

Whether it's a new paint job, or a landscaping project, or an extension room, house renovations certainly increase the value of your property. Now, your house fits the "After" photo left side of the TV screen. Of course, nothing beats a smile here and there in your home, and just plain being nice to each other by everyone living there. Now that's the best home improvement of all.