DIVERSION IMPACT TOOL

Backyard Renovation Budget

Turn the contractor quote into an all-in project budget with a real contingency, first-year cash requirement, financing cost, upkeep, and estimated value added.

ALL-IN PROJECT BUDGET —

CONTINGENCY RESERVE — Held outside the quoted scope

MODELED PAYMENT — Monthly financing payment

FIRST-YEAR CASH NEED — Up-front cash, first-year payments, and upkeep

LONG-TERM NET COST — Budget, financing, and upkeep less value added

DECISION FILTER

Do not let the quote pretend to be the budget.

Approve the project only after the contingency and first-year cash requirement fit without borrowing from emergency reserves.

Illustrative budget. Contractor change orders, permits, drainage, utilities, engineering, insurance, taxes, upkeep, and resale contribution vary by property and scope.

← All diversions

CONTINUE YOUR FLIGHT PLAN

Turn the all-in budget into a go, resize, or wait decision.

RECOMMENDED NEXT MOVE

Confirm the first-year cash plan

Make the project fit without weakening the normal monthly system.

OPEN → 02

Keep emergency reserves separate

Do not count the same cash as both project contingency and household protection.

OPEN → 03

Separate enjoyment from resale ROI

Test how much of the finished project cost may return at sale.

OPEN →