Hiring people with the right experience can save you money and time. For example, these professionals can help you create a custom look using stock products, which can be a huge savings. Doing something right the first time will give you value that lasts for years.

To find qualified and reliable Home Improvement professionals, reach out to friends, business associates and neighbors for referrals. Always get at least three references and double-check them. Also, contact your local Better Business Bureau or Chamber of Commerce. Their numbers can be found in the public services section of your phone book.

Once you've identified the home improvement professionals you need, make sure everyone agrees on the design, schedule, and budget, and get the information written into a signed contract.

It's also wise to check professional certification and licensing, if any, and ensure that the contractor you hire is fully insured and registered. Your city or city department can provide this information. And it's very important to make sure your contractors have workers' compensation insurance: If workers are injured on the job, you won't be liable if the contractor is insured. Ask for copies of their insurance certificates. Make sure you or your contractor has obtained all necessary permits before starting work. Contact your local planning and zoning commission for details.

Here's a quick overview of some of the professionals you may need to work with when remodeling your home:

Architect: Architects design homes or additions from the foundation to the roof. If your project requires structural changes, such as adding or removing walls, or if the design is complex, you may need an architect. Because architects can charge an hourly or flat fee, be sure to get a total cost estimate: it can take 80 hours or more to develop plans for a large remodeling project.

Contractor: A contractor oversees a home improvement project, which includes hiring and supervising workers, obtaining necessary permits, providing necessary inspections, and providing worker insurance. It is always a good idea to get quotes from one or more reputable contractors depending on the specifics of your project.

Make sure each contractor bids on exactly the same plans so you can more easily compare their bids. When choosing a contractor, make sure the contract states that you will be paid in installments. You usually pay one-third when the contract is signed for the contractor to purchase the goods. The number and timing of balance payments will depend on the scope of the project. Do not make final payment until the job has been successfully completed, inspected and approved.

Interior Designer: Interior designers are experts who advise on furniture, wall coverings, colors, patterns, etc. They help you save time by narrowing down your choices and save you money because they usually get professional discounts from their suppliers. When meeting with an interior designer, be sure to tell him about your personal style and preferences. Expect to pay between $50 and $150 per hour, or you may be able to negotiate a flat fee of around 25% of the total project cost.