When you plan your bathroom project, expect to be over budget. Some people feed in a fudge factor of 15 to 20 percent for unseen circumstances, while others cross their fingers and hope for the best. The second approach has some serious potential consequences, including having to use the bathroom down the road at the gas station until you resolve billing disputes with your contractor.
Unforeseen issues with mold, dry rot, electrical service, antiquated plumbing and insufficient water pressure can blast a hole in your budget and leave you with a gaping void where your new shower was supposed to be. If you're scraping pennies together to afford that imported tile you want, you might consider waiting until you have a few more coins in your piggy bank.