I was laying some tile with a buddy today when something unexpected happened. As he pulled up the old linoleum the floor was damp by the shower, tub, and sink. We also noticed there was a square in the concrete where some previous plumbing work had been done. So instead of laying tile, my friend wisely chose to fix a leaky toilet and shower. If we would have laid the tile, we would just have been covering up a major problem that would have eventually surfaced again.
The same is true for life. If you cover up the things your dealing with, it doesn't make them go away. You must have a solid interior before you can improve your exterior. You must take care of your needs before your desires. If you don't have necessities, you don't need luxuries. You must pull the weed up by its roots or it will grow back. Taking the time to do the right thing is always faster in the long run than the quick fix. Solving the problem is always better than treating a symptom.
How is your plumbing? What is necessary for you to fix before you can make the improvements you desire? Whatever it is, take your time and do it right. The stronger your foundation, the bigger you can build.