When we got our loan we got some extra $$$$ and we were able to paint the entire house, polish all floorboards, get our blinds/curtains etc and some other things. The rest is bit by bit as we need it & can afford it. We will also make do with what we can until we can afford the major reno's. We just got a quote this morning to cement our driveway and we will build the fence ourselves. We have also come up with a shelving idea that looks nice in our laundry and will do for now. We will be done one day