There are a number of practical reasons to finance a home improvement project. The first is simply time. With any home improvement project you want to get it done as soon as possible so you can enjoy the benefits in the present, not somewhere far off in the future. Saving up for a major project is a sound financial decision, but it will likely take years to stow away enough for what you've got in mind, years that you could have spent enjoying your new kitchen, bath or deck if you'd have chosen to finance instead. And of course, the truth is few individuals are disciplined enough to leave that money untouched. Other unforeseen expenses come up, people dip into the penny jar, and in the end most homeowners find themselves right back where they started.
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