Most people do it at some point in time. Some decide the time is right when they receive an unexpected windfall or when their tax refund check arrives. Others feel it is necessary, and they find a way to finance the project - even if it means refinancing their home or taking out a personal loan. Regardless of how the homeowner intends to pay for the project, there has been a steady rise in the number of people that feel the time is now. This has led to an explosion in business for contractors and plumbers alike. Many of these self-employed individuals are working from dusk til dawn and still say that they are booked up well into the future.