Photo: ronstik (Shutterstock) Owning your home is about more than just having shelter—it’s about managing an investments. A house or condo is often your largest asset, so instead of simply enjoying it, you have to worry about improving it all the time in the hopes you’ll be able to sell it for a lot more than you paid someday. It’s like that the moment you bought your house you began scheming to radically change it—to add or redo a bathroom, to finish the basement, or to modernize the kitchen. Whenever you hesitate to consider how expensive those renovations will be, someone invariably tells you that it will increase your home’s…