Perhaps many people are afraid of tackling some home improvement jobs because they feel unqualified to do them. So, you are more than capable of learning on your own, and then you simply assess the needs of your home. Always try and keep in mind the environmental impact your project will have and the waste you will produce.
Clearly, if you cannot afford the truly expensive projects, then it is best to forgo them at this time; but that leaves many more on the table. So let’s consider what is possible that will make your home stronger. Naturally you want your home to last forever, and you can do a lot to forward that agenda.

If the soil right next to your home is sloping down and into your house, then that can cause water damage in basements. While the threat to your home is not immediate, if the home is fairly new, it really should not be allowed to continue.
In the event that your basement walls have cracks due to moisture and water pressure, then that should be fixed and it is not cheap. What you can do is add sufficient topsoil nearest your foundation to elevate the grade. An additional measure could be to add river rocks about a foot or two below the surface to aid with drainage.
Just about all unfinished attics have a split in the seams here and there. Attics are also legendary for having a cold draft, and that is another sure sign.
Once you have identified all the sources of exposure to the elements, then you have options for how you want to seal them. What you can do or should use really depends on the situation, but a quick fix may be the foam compound you can spray in the open seals. Then, all you need to do is apply it, and it is very easy and quick to use. This will cut down on your energy and reduce the amount electricity you are consuming which we all know is great for the environment.
You can find some really good and useful home improvement organizational systems on the market. Some of the most popular ways to do this is with organizers for the closet. None of this stuff is difficult to find, and they do not cost an arm and a leg, either. Plastic is usually used and for obvious reasons, and in the old days they used wood. Finding a good solution to clutter is usually a challenge, but if you are anything like me you will just throw it all out in the garbage. Others may choose to rent a shipping container from a company like All States Containers and store their clutter outside of the home. This keeps all your extra possessions out of the landfill until you find an environmentally conscious way of disposing of them such as donating the items to a charitable cause.
You have just read about some creative home improvement suggestions that will add value to your home without breaking the ol’ budget. So, just work with your budget and within your means, and that is an important thing you should always do. It is always suggested to attack those projects according to priority and taking the costs into consideration. Once you begin, then you will have a good feeling knowing that you are making your home more livable.