Ways to Spruce up your Home on a Budget

There are lots of ways to spruce up your home on a budget. You can get your home looking fabulous this spring without spending the earth to get it there!

Step 1

The obvious first step is to decide which rooms you would like to work on first. Have a clear plan because it will help you when it comes to spending. Here’s some tips for that:

  • Of all the rooms in your house which one do you feel needs a spruce up the most. Start with this one!
  • If there are a couple of rooms that perhaps don’t need too much doing you could choose to do these first.
  • Plan out in terms of your time and money which rooms you feel you could do now. You can always plan to do the others over the coming months.
  • Don’t bite off more than you can chew, make it an enjoyable process and not an overwhelming one.

Step 2

Once you’ve decided which room or rooms to start with, work out how much money you can spare to start with.

This step is really important because it is really easy to give yourself a vague idea but this is setting yourself up for failure. You will find that you will always spend more if you don’t be specific enough about how much you have to spend.

Be realistic and if it means delaying your start date for a month it is better to do that than start and blow your budget!

Step 3

Ask your friends to give you magazines, pop into the library or pick up inexpensive lifestyle magazines and start cutting out ideas that interest you. Just simply stick these onto a sheet of paper. Don’t worry if you don’t have a board or A3 sheet of paper, just work with what you have and you don’t even have to stick at all! The idea with this is to get inspiration for colours, furniture, themes and the whole look and feel of a room you would like to create.

When you have enough cuttings out you can start to think about the next step which is going and finding everything.

Step 4

Start by looking on eBay, Gumtree, classified ads, markets, car boots and other places where you are likely to pick up really great second hand or almost new items for a fraction of the cost. Use your ideas and cuttings out to remind you of what you are trying to achieve. When it comes to ways to spruce up your home on a budget, it is surprising how much stuff you can actually buy second hand from places like this. It is always worthwhile buying decent paint because if you skimp on that you will regret it. So saving on soft furnishings or furniture means you have more to spend on the paint or wallpaper for example.

Stick to your budget! If this means allocating an amount to each area; say a portion for furniture, portion for soft furnishings and accessories and a portion for materials then do that.

Step 5

Remember there is no right or wrong way to do this but you must stick to your budget. Have fun with it and treat it like a project. Use the fact that you have a budget and have to bargain hunt for items as part of the project. Who knows you could find your passion in it. Once you have done one room you will also find it so much easier to do the next! You’ll start to have a feel for the best places to buy second hand furniture from and where to get the best deals.!

Ways to Spruce up your Home on a Budget

Don’t forget to share with us too. We would love to hear how you get on with your own ways to spruce up your home on a budget!

 

Categories: BLOG.

The Benefits of Joining a Payroll Membership Scheme

Nottingham Credit Union offers payroll membership which means you can save and borrow by making payments directly from your salary. There are many benefits of joining a payroll membership scheme.

Join a Growing UK Membership

There are over 1.5 million credit union members in the UK and national companies such as Royal Mail, British Airways, the NHS and BAE systems are among those UK employers who already offer their staff a payroll membership scheme. In Nottingham the following organisations currently partner with Nottingham Credit Union to provide their employees with payroll membership:

  • Rushcliffe Borough Council
  • Nottingham City Transport
  • Nottingham City Council
  • Mansfield District Council
  • Nottingham Community Housing Association
  • Nottingham City Homes
  • Nottinghamshire County Council
  • Newark & Sherwood District Council
  • Broxtowe Borough Council
  • Gedling Borough Council
  • Ashfield

What are the Benefits?

 The benefits of joining a payroll membership scheme are:

  • Annual return on savings
  • Access to affordable loans with fixed interest rates
  • No transaction fees for saving or borrowing money
  • Online branch and facilities

How does it work?

If your employer is not yet a partner you can ask them if they would like to join. It’s completely free of charge and we can set it up with them. If your employer is already a partner then when you have joined with us as a member you simply instruct your HR or payroll department that you would like to make regular payments to your Nottingham Credit Union account. The service is confidential which means that they don’t know whether the payment is for a loan repayment or for savings. You simply specify the amount you wish to send each month.

The beauty of payroll membership is that when money is taken from your salary directly you don’t really notice it as much as making payments from your bank in the usual way.

Visit www.payroll-pro.org.uk to find out more information about the benefits of joining a payroll membership scheme.

 

 

 

 

Categories: BLOG.