Wednesday, May 24, 2017

Cutting The Costs When Moving Home



When moving into a new home, there are a number of costs you will encounter, and your bank balance will take a serious dip.The cost of living is rising all the time, yet our salaries rarely seem to reflect this. In the moving process there are things you may not have budgeted for.This includes renovation work to your current home to raise the value and attract potential buyers. Then there are the removal costs as well as any extra work that needs to be done in the new house, and budgeting for the cost of living in those first few months.

Moving can be very stressful but here are a few small yet significant ways you can save money in the months ahead.

Use cheaper services

In moving into your new home, use price comparison sites to find the best deals on energy, water, telephone and insurance providers. You don’t need to stick with the companies you have used in the past, so shop around and look for the best offers available to you. They don’t care about you personally and are only interested in your business, so don’t have a sense of misguided loyalty, no matter how lovely their customer service. You can often find a better deal elsewhere, saving you extra money in the process and giving you extra cash to pay for anything necessary for the new house.

In the moving process, you will be requiring services such as hiring a removal van and possible repair work. Always look for the better deals and hire professionals such as www.dirtcheaprubbishremoval.com.au who are competing with similar companies by offering competitive price deals. When you have found somebody you trust, you can use them again in the future.

Look after your money

You are likely adding to your current debts by adding a new mortgage for the property. Consider all the debts you owe and speak to your bank.  Consolidate all your debts at lower interest rates and pay them off as soon as you can to cut down on interest payments.

Budget each month for all of the utility services you intend to use, and if you are not happy with any of them, contact them and switch if you need to. If you discover you are struggling to pay a bill, don’t ignore the problem and hope it goes away. Tell the company involved, and they will probably help you with a budget plan for the months ahead. This will alleviate your stress and help you to budget  effectively.

You will need to eat, despite all the excitement involved. Whatever the state of your kitchen on arrival, you are going to need to eat something. Bring the food along from your previous home, and have a plan for the first few days. Avoid the expense of takeaways whenever possible as you may be running to a tight budget. After the initial outlay, your finances should get back on track with sufficient planning. So be sensible and enjoy your new home.

xxo
Kim

Tuesday, May 16, 2017

Go Retro in the Kitchen

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If you’re looking to create a kitchen that is beautiful, quirky and different from the rest, you can’t go wrong with a retro redesign. Retro simply refers to styles that were popular in times gone by, which means that you can choose any time period you like to create your perfect retro kitchen. However, opting for a 1950s look is probably the best way to make your kitchen look really impressive. Here’s how:

Look at Pictures

First and foremost, you should start by looking at pictures of the 1950s era. You’ll need to decide whether you want to go for a 1950 American diner look or something more traditional and close to home, but most people find the 50s Americana look best. Do as much research as you can to work out which features you want to recreate and which you’d rather leave out.

Choose a Color Scheme

Next, you’ll want to start thinking about a color scheme for your kitchen, so that you can get Cameron Davidson painters and decorators in to do the work and start transforming our kitchen, as soon as possible. The 50s style has a lot of colors to choose from, but mint greens, pale pinks, teals, taupes, and reds are all good options. Choose which suit your style best and leave the rest behind.

Think About Pattern and Shapes

The shapes and patterns that were popular in the 1950s aren’t exactly the same as the shapes and patterns that are most common today. For example, geometric prints were big news, as were round and egg and ball shaped chairs, so choose as many authentic patterns and shapes as you can to make your kitchen look more authentically retro.

Chrome and Metal

Chrome and metal were both extremely popular in the 50s. Installing chrome worktops and appliances, including kettles and toasters, is a great way of bringing retro style to your kitchen, as is hanging metal signs, which were all the rage in 50s diners.

Checkerboard Flooring

If you’ve ever watched 50s TV shows or movies, set in an American kitchen or diner, you will have noticed that, more often than not, they feature black and white checkerboard flooring. Not only does this kind of flooring add a retro touch, but it creates a nice contrast between the other colors used in your scheme, making them pop.

Make it Tactile

In the past, minimalism wasn’t really a think and kitchens were filled with warm, tactile touches like geometric wallpaper, thick floral fabrics, and cushions. Adding texture will really help your retro kitchen to feel more authentic.

Add Retro Images

Retro posters, and as I mentioned above, signs, as well as photographs,  will help to bring the theme together, and add those extra little touches that make a room feel cosier and lived in. 50s film posters, Marilyn Monroe Cushions or classic diner signs are all good options.

Add Retro Accessories

Finally, to really transform or kitchen into a retro room, you’ll need to pack it with retro accessories like food mixers, old-style telephones, Formica tables and anything else you can think of to get the look?

Do you have a retro kitchen? What are your top tips for getting the look?

xxo
Kim

Friday, May 12, 2017

Are You Financially Prepared for Your First Home?

If you’re a tenant in a rented home, then chances are you’ve probably dreamed of breaking free from the shackles of your landlord and buying your own house. But there are many challenges, especially financial ones, that are probably preventing you from doing so. If you’re considering the option of investing in a home, then here are a couple of ways to help you prepare for the financial side of things.


Credit History

To afford a home, you’ll have to take out a loan in the future. If you want to be financially prepared for it, then you need to maintain a good credit rating as well. This should come as no surprise considering how much money you’ll potentially have to borrow. In order to get a good credit score, you need to make sure you’re not late for any payments, be they for utility bills or your rent. If you plan to buy a home together with someone, such as your partner, then both your credit ratings will be considered so you both need to have a great score. Improving your credit score can take a long time, so avoid decreasing it as much as possible if you want to have a better chance of securing a loan.

Home Loans

Not all of us make six or seven-figure salaries and are capable of affording homes with the money in our bank. Luckily, that’s why we have home loans to rely on. It’s almost impossible for the average person to have the hundreds and thousands required to purchase a home in a single lump payment which is why there are countless home loan services available. You can take a look at home loan comparison websites in order to get a better understanding of how much money you’ll need to borrow, and they’ll even give you advice on what type of home to look for to suit your budget. Keep in mind there are varying interest rates, but this is an inevitable additional expense unless you’re capable of buying a home in a single payment.
Stable Income

Lastly, you have to consider your current situation before you buy a home. If you’re getting an average wage, then you shouldn’t expect to be able to afford a luxury home. You need to stay within your budget and have realistic expectations before you go shop around for both a mortgage and a home. However, this is all pointless to consider if you don’t have a stable income. If the job you’re working at feels unstable and you’re fearing for your job security, then now is definitely not the time to look for a home. What you realistically need is a well-paying job in a company that’s doing well to even be considered for a mortgage. Alternatively, it helps if you’re working multiple jobs to ensure that even if you lose one, you still have some income. You could also run a business from home on the side to secure multiple streams of income in order to afford your first home.


xxo
Kim

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