Lots of us find that at the end of the month, we don't have any money left. The recession has forced millions of Americans to put off dreams of renovating or redesigning their homes. Designer Michael Moloney has a gift for quick and effective decor. After all, he whips up stunning new rooms within days every week on ABC's Extreme Makeover: Home Edition.

Taking off from the show's episode this Sunday, in which a family's plans to build their dream home are derailed by a freak accident, Moloney calls in to WalletPop's studios to talk with Jason Cochran about the things you can do if you find you can't afford that dream makeover anymore.

You can whittle down the things you already own. You can freshen things up by moving your stuff all around the house to new locations. Or, if you have $14 left in your pocket by the 31st, you can give any room a dramatic new look with one simple solution.

Watch our conversation with the design whiz below. You can also watch our conversation with music star Xzibit, who is making his second appearance on the show this weekend as he pitches in to help another needy family.