
Many homeowners struggle to figure out how to splurge and save on interior design during a remodel or new build. Knowing where to invest and where to cut costs is one of the most common challenges in home design. Every project, budget, and lifestyle is different, which makes splurge and save on interior design decisions even more personal. Finding the right balance helps you create a beautiful home that feels luxurious, without overspending.
It’s always smart to invest in design elements that increase your home’s value. High ceilings, durable finishes, custom cabinetry, and added storage often bring a lasting return.
In contrast, some upgrades, like curved drywall corners or luxury air systems, appeal only to niche buyers. They don’t boost resale value for most people. Because of this, splurging on details with broad appeal is always the wiser choice. Focus on upgrades that will benefit future homeowners as well as your family.
Permanent elements deserve higher spending. Items that are expensive or difficult to replace, like hardwood floors, quality windows, solid doors, and cabinetry, are worth the upgrade. On the other hand, things that can be changed easily, like paint colors, carpets, or cabinet hardware, don’t need to be top-of-the-line.
For example, choose durable cabinets and stone countertops, then opt for a more affordable backsplash. The backsplash can be replaced later with minimal disruption, but replacing cabinets is far more complex and costly.
Sometimes, the best investments are hidden. Spending more on insulation, energy-efficient windows, or improved HVAC performance can lead to long-term savings. These upgrades may not be visible, but they reduce utility bills and improve comfort over time. In this way, an investment behind the walls pays dividends for years.
Some furniture gets daily use and deserves quality craftsmanship. Sofas, dining chairs, and frequently used lighting fixtures should always be high quality. For instance, a family room couch is used constantly. Investing in one that holds up is practical and cost-effective. In contrast, pieces that see minimal wear, like console tables or accent shelves, can be more budget-friendly.
We also encourage clients to splurge on lighting and upholstery. These are items that not only endure wear but also define a room’s character. Less-used spaces such as guest rooms, kids’ rooms, or laundry areas can be designed more economically. Quality can be maintained without unnecessary overspending.
Every home has focal areas—places that draw attention and create visual impact. These are perfect opportunities to splurge.
Consider investing in a beautiful fireplace, standout kitchen cabinetry, or elegant window treatments. These elements are seen daily and leave a lasting impression. Meanwhile, private or low-traffic areas, like closets or laundry rooms, can be simplified. There’s no need for marble counters or luxury finishes where they won’t be appreciated.
Think of it like fashion: choose modest base pieces and elevate them with statement details. In design, this might mean choosing mid-range cabinetry but upgrading to high-quality, eye-catching hardware.
A concept known as “value engineering” helps balance design and cost. It involves removing unnecessary expenses while maintaining strong visual impact and functionality. At Collins and Co Interiors, we use this approach often. Our goal is to ensure clients stay on budget without sacrificing beauty or comfort.
By strategically deciding where to splurge and where to save, you can design a home that feels luxurious, functions well, and stands the test of time.
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