5 ways to save money when building a deck

Black great Dane puppy yawning on deck
Tami McQueen

Tami McQueen

If you’ve been considering building a deck to increase your living space, create an outdoor oasis and add value to your home, check out these 5 money-saving tips to help carry out your deck plans:

Deck Plans - Six week old black Great Dane puppy yawning on a cedar deck.

#1: Think Simple Deck Plans

Start with a copy of your property’s plat map to help with the layout and orientation of your deck. If you’re trying to save money, start simple – the difference between a deck that is 200 square feet and one that is 600 square feet is likely several thousand dollars.

Before hammering the first nail, don’t forget to check your city’s ordinances and those of your Homeowners’ Association to ensure your deck plan meets their regulations – this small detail could save you money and headaches.

Deck Plans- Sunny deck with a wrought iron table and chairs and umbrella.

#2: Buy in Bulk and Borrow

Stock up on deck-building supplies by buying bulk at lumber yards, home improvement and warehouse stores. Save even more money when you rent or even borrow expensive power tools, air compressors and pressure-washers to help complete your project.

Deck Plans - Middle-aged man inspecting lumber at a home improvement store.

#3: Friends and Family Discount

Save money with a DIY deck plan and asking friends and family, who have a knack for putting things together, to help out. Along with creating your home’s addition, you’ll create memories to last a lifetime – just don’t forget to invite them over to enjoy their handiwork when your project is finished.

Deck Plans - Cropped view of a man applying stain to a wooden deck.

#4: Step Out Your Wish List

Create a wish list of how you envision your deck and outdoor space to look when you are finished completing your deck plan – and then chunk it out in steps. Maybe it’s as simple as constructing the deck this year, furnishing it next and adding a hot tub or gazebo two years from now.

Once your wish list is complete, create a budget in an online management tool such as Trends Personal Finance Manager and open a Special Savings Account to begin preparing for each phase of your project. And don’t forget to shop summer clearance sales for great finds you can enjoy this year and for many summers to come.

Deck Plans - Deck with rattan coffee table, large sofa and wooden garden swing.

#5: Jazz it Up

Consider purchasing vivid sofa pillows, planters, melamine entertainment wear, Citronella candles and umbrellas to add vibrant pops of color to your outdoor oasis.

Deck Plans- Garden sofa with brightly colored pillows, books and potted flowers nearby.

Whether you need $500 to pay for Adirondack chairs or $10,000 to pay for a new deck, we’ve got you covered. DuPage Credit Union’s low-rate Personal Loan is the perfect solution for all of your backyard needs – and funds are available in as little as 24 hours, helping your deck plans become a reality, sooner than later.

Do you know of other money saving ideas to help accomplish deck construction and furnishings on a budget? If so, please share:


Tami McQueen

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