Financing on home projects like pool, sauna, outdoor fireplace

[Aja McClanahan]

I'm a freelance writer and I need a quote for an article.  Say you (or someone you know maybe a client for your contracting business) who REALLY wanted a not-so-necessary home upgrade like a sauna, pool or outdoor fireplace. What could they do to make it happen? Do they use cash and drop $15k-$20k or is it best to finance so their cash is out there working for them in other ways. What financing options would be best in your opinion. I know this is NOT straightforward and it depends on the client's situation. The nuts and bolts: what is the best way to finance a nonessential home renovation. Please DM with your name, title and website URL. Thanks!