From day one, everyone who knows something or nothing about home building told us to budget 10%-15% for overage costs. Our first overage was with the foundation. This couldn’t be helped since the ground material required it (after it was dug out and inspected) and having a sturdy foundation is critical.

With the frame up, we recently incurred a few extra electrical/wire costs (changes) walking through the kitchen. The original budget was for 6 can lights in the kitchen. To add a little extra flavor, we added in 3 pendant lights. Wiring throughout the downstairs and upstairs, for a home network, was thrown in to help future proof the house. Our concern was that a wireless network might have limited range with all the insulation we’re putting in, especially in the bonus room. This way rooms are either hard wired or will have a repeater for boosted signals.

At this point I believe we’re still under 1% in overage costs. Sweet!

There are some things to think about before you go and pick the interior selections of your house. This about the following:

• Styles/feeling
• Plumbing
• Lighting
  • Package included
  • Fans?
• Flooring
  • What works with wood vs vinyl
  • Full hardwood vs manufactured
• Counter tops
• Cabinets
  • Colors
  • Slow glide, 5 panel, and expensive add ons
  • Handles/Hardware
  • Matching bathrooms to kitchen and laundry
• Flooring
  • Carpet
  • Tile
  • Wood
  • Carpet
• Appliances
  • Gas/electric