We all have beautiful visions for our homes, including dreams for our gardens. Whether it is to transform it into a flora and fauna paradise,  an oasis to escape to at the end of the day or a playtime paradise for your children, designing your garden is a great way to further personalize your home and can boost curb appeal and resale value.

As a general rule, the American Society of Landscape Architects recommends investing 10 percent of your home’s value in landscaping. However, our ideas may be be larger than our finances can accommodate and like all home renovation projects, you can find yourself surpassing your budget. If you are considering transforming your garden, here are a handy few budgeting tips to remember.

Flexibility is key

The benefits of having a flexible budget far outweighs any additional effort you may expend on making it. It is a good rule to follow as unexpected expenses are bound to pop up. They always do. You may find yourself paying a different price for materials, having to pay additional labor or even having to amend design midway as the initial design does not correlate with your space.

Because of this, it is always a wise decision to add a built-in buffer amount in your garden budget and then you can be prepared should it ever arise. This increases your chances of tracking and sticking to your landscaping budget. Be sure to check in periodically with your landscaper regarding staying on track with the costs. This alerts you to any changes in your potential costs.

Be realistic about your options

Secondly, try to be realistic and objective about your ideas and what you can afford. This is about matching your dreams for your garden to your financial abilities.If you would require financing for your garden project, consider your credit history.

This will help in making smart financing decisions based on your rating. Knowing your credit rating allows you to judge your chances of being accepted for various credit cards or loans. Another thing to consider is whether this investment is worthwhile i.e. your return on investment. If you plan on selling soon, does the addition add a decent amount to your home resale value?  A well-landscaped home can see its values rise by 6 to 13 percent.

If you plan on staying in your home long term then you need to consider maintenance costs. After you have spent money on designing and landscaping the perfect garden, there are still the costs of upkeep to consider and of course the efforts that go with it. Is the maintenance something you can do yourself or would you need gardening specialists to do maintenance periodically? If so, what are the costs attached and can you afford the maintenance amount each year?

Consider breaking it down

Let’s face it. Sometimes our visions can be expensive. Splitting your project into parts may be the answer to your financing questions in situations like this. If you find yourself unable to gather the entire amount at once then phasing your garden project can help relieve the financial strain on your pocket.

In addition, if it is a large project, tackling it in phases can help you achieve your vision and allows the opportunity to change your designs to better suit your garden as you go along.

Some projects may require permits, depending on their magnitude while the seasons can also affect your project. These are all factors to consider when budgeting for your dream garden as they can all have an effect on the time taken, your costs and your final vision. Regardless of the scale of your dreams for your garden, with a little planning, some handy budgeting tips, and your vision it can be done.