Why MDF is Best for Use as Skirting Board

Skirting is a board that runs along the lower part of the interior walls of a building. In many homes, it is used to hide unwanted features as well as avoid scratches of any form.

Before now, it was known as mop boards as it was supposed to prevent water and stains from mop heads when cleaning the floor. Over time, it has emerged to be something that is used in interior decoration to beautify and provide good finishing in a building.

Why You Need It

Skirting in a home is not necessary but it is advantageous and there are several reasons why you may need to use it in your home. This includes:

Cover Gaps between Walls and Floor

It is possible that during building construction, there could be some issues that can result in gaps between the floor and the wall. Having to redo the construction will cost a lot of time and resources. Also, the gap may be intentional to prevent moisture that is coming from the ground from reaching the plasterboard. Using skirting boards can help to cover these gaps to avoid exposure and it is also cost-effective.

It Prevents Damage to the Wall

The lower part of a wall is subject to several knocks. It could be scratches or knocks from a mop head or a vacuum cleaner. Kid’s toys, as well as bicycles, chairs, general wear and tear and so on, can cause the lower walls to be chipped or stained and skirting helps to prevent these.

Hide Electrical Wiring

Exposed wiring in a building can make it look tacky. These wirings can be hidden under the ceiling but occasionally some have to be passed along the floor or lower walls and may not be removable. Skirting can also be used to cover this.

It is Used to Provide Aesthetics to the Home

Although the major purpose of skirting was to preserve walls from all scratches, knocks, stains as well as cover up unwanted or unsightly features, it is also used these days to add character to and beautify the home. There are several types and designs that can be used to decorate the home and make it aesthetically pleasing.

Types of Skirting

There are different kinds of skirting that you can use in your home. These are:

· Wooden

· Pencil

· Continued

· Metal

· Flush

· Double layered

MDF as a Material for Your Skirting

There are different materials that can be used for skirting; it can either be wood, vinyl, or metal. Of the three, wood is the most used and even this has subtypes which are hardwood, softwood and MDF. Each one of these has its advantages but MDF is the preferred choice for most people.

MDF which is the short form for medium-density fibreboard is a fabricated material and it is often used in most furniture products around a home. It is a kind of wood that is produced by breaking soft and hardwood residues into wood fibres. It is combined with resin binder and wax in a defibrator which is then formed into panels when high temperature, as well as pressure, is applied. MDF is denser than particleboard and plywood and this makes it stronger.

MDF boards come in two types typically. They are either pre-finished or pre-primed. The pre-primed variant is good for people who intend to decorate or paint their skirting board to the taste. MDF is usually preferred because:

· It is durable, does not expand, swell, contract or warp, and will last as long as a property exists.

· It is also cheaper than most other kinds of materials used for skirting.

· It is quite easy to use as well as easy to install.

· It is suitable for most places in the home.

· It comes with a smooth surface that makes it easy to paint and work with. You can learn more about MDF in this article.

Conclusion

Fixing skirting in a building has a lot of advantages. All in all, it makes your home better in several ways. Asides from this, it add beauty and color to the home making it appealing. They are different materials that can be used but if you are looking for a durable, cheap, and long-lasting material, you should seriously consider using MDF.

9 Inspirational Ideas To Beautify Your Front Yard

As a homeowner, your life will often become so busy that specific maintenance jobs around your house will fall by the wayside. When that happens, your home starts looking worse for wear and could even require costly repairs in some cases.

One of the areas that many homeowners sometimes neglect is the appearance of their front yards. Those are the areas most seen by people. They’re also ones that will get looked at the most by anyone visiting or going into your abode.

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If you’re reading this article and thinking to yourself that your front yard has seen better days, now’s the time to do something about it. Of course, you might be wondering where to start and what to do?

Don’t worry, because the following nine inspirational ideas will help you transform and beautify your front yard. If you’re ready to boost your home’s curb appeal, here are some handy hints and tips for you to follow:

1. Get rid of any weeds

You might find that you only need to do something as simple as removing any weeds that have taken over your front yard. As you can imagine, weeds are unsightly and tend to get out of control very quickly.

There are many ways to remove weeds, but the method you use should be safe and must not cause adverse effects to pets, children, local wildlife, or, indeed, surrounding plants. Arguably one of the safest methods is to pull the weeds out, including their roots.

You can buy special weed removal tools to help save you time and effort. However, be prepared to dig if you’ve got weeds that have long roots.

2. Spread some new grass seeds

Is your front yard’s patchy lawn letting things down? Sometimes, it makes sense to start again and spread some new grass seeds down. When done at the right time, you’ll soon end up with an abundance of fresh, healthy grass growing on your lawn.

You may wish to spread grass seeds among existing patches of grass on your lawn. But, it makes sense to clear the topsoil and start from a clean slate. Doing so means your lawn will have a uniform appearance and be easier to maintain.

There are many varieties of grass that you can grow on your lawn. The one you choose will ultimately depend on the look you wish to achieve and your budget.

3. Improve your drainage

Whenever it rains, do you find that your front yard ends up with pools of standing water? If the answer’s yes, you might find that you’ve got drainage problems. In fact, you might even discover you’ve got no proper drainage at all!

One way to resolve the problem is by having discrete and tasteful-looking Swiftdrain slot drainage systems installed. Another is to locate any blockages of existing drainage systems so that water doesn’t back up in your yard.

It’s also worth making a mental note of where the standing water occurs in your front yard. That’s because the issue might be due to sunken pavers, concrete, or asphalt that is resulting in an uneven ground.

4. Paint your fencing

If you’ve got wood fencing around the front of your home, you’ll need to paint or ‘stain’ it every few years. Otherwise, the effects of weathering will cause your wood fencing to go bad and fall apart.

There’s a variety of wood fencing paint colors available to buy, and so you can easily brighten up your fences with a bold or natural-looking color. Be sure to purchase a paint product that is guaranteed to last for several years.

If any of your fencing is old and damaged, you should get them replaced before you embark on any painting. It also makes sense to only paint your fence panels on a dry day as rain can delay how quickly the paint dries.

 

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5. Upgrade your drive

Do you park your car on something you could only describe as “crazy paving”? Perhaps your parking spot resembles a boggy pit whenever it rains? If the area on your drive is inadequate for anything heavier than a bicycle, you need to upgrade it as soon as possible!

Doing so will mean that your front yard has better drainage and your vehicle won’t sink into the ground on a particularly wet and stormy day! Plus, a freshly laid drive will increase your home’s curb value – and thus your property’s value on the home market.

You’ve got several choices depending on what you want and how much you’re willing to spend. One of the most common options is to have concrete laid down. Some folks also have pavers laid down, making the drive a nice decorative feature.

6. Add some attractive plants

If you’ve got a large front yard, plants can help to add a nice decorative touch. They can even create beautiful-looking borders if you’d rather not have wooden fences or brick walls to mark your property boundaries.

When choosing plants for your front yard, be sure to select some that are hardy and will grow well even in the toughest of winters. After all: the last thing you want to do is waste time and money adding new plants every few months!

You may even decide to plant some partially-grown trees that bear fruit. It might help to visit some garden centers and see various plants in person before deciding on specific types for your front yard.

7. Add some tasteful garden ornaments

It’s not just plants that can complement the look and style of any home’s front yard. Garden ornaments can also make your front yard look more unique and to your taste! As you can imagine, there are literally thousands of different garden ornaments you can buy.

It helps to think about whether you want a specific theme for your front yard, and if you wish to opt for subtle garden ornaments or ones that stand out. Whichever ones you decide to get, be sure they will look great in your front yard.

8. Freshen up the front of your house

Lackluster paint, broken drain pipes, damaged windows and cracks in exterior walls are just some of the things that can let down an otherwise great-looking front yard. Remember that freshening up the front of your home isn’t just about curb appeal, it also adds value to your house.

Depending on your DIY skills, you might wish to entrust some of the repair work needed on your home’s exterior to professionals. That can certainly be the case when talking about things like brickwork, roofing, and even painting.

9. Add some lighting

When it gets dark, do the street lamps offer much lighting to the front of your home? If the answer’s no, it’s probably the best time to add some lighting of your own. You could opt for cheap and simple solar lights that stake into soil.

Or, you might decide that permanent LED lighting across your drive and path, and by your front door is a better solution. You can even get some LED light systems that are the same size as standard house bricks.

Final thoughts

The above nine inspirational ideas are just some of many things you can do to improve the look of your front yard. It’s worth checking out Pinterest for additional inspiration, and even just generally browsing Google Images for extra ideas.

Hopefully, you’ve found the tips in this article useful today. Thanks for checking it out!

DIY’ers Should Always Choose CLIMATE CONTROLLED Self Storage

Halloween is just around the corner and that means that we DIYers have some very busy times ahead. Halloween decorations for the fam should promptly be followed by Thanksgiving decorations. Quickly trailing behind for many families are the Christmas, Channukah, or seasonal decorations! And, beyond all the decorating and redecorating, many of this site’s readers will experience the dreaded annual tradition of undergoing wintry weather when we essentially hibernate for 3-5 months and never go outdoors. In other words, it’s a heck of an important time to be focusing on improving your house in one way or another.

One difficulty that many of my readers face, though, is that they run out of space in their garages to store decorations, tools, furniture, etc as they perform ongoing DIY renovations. Many homes in the US don’t have basements at all, or they run out of room quickly in their attics and garages to store important things. If you’re going through this, don’t worry! There is an answer for you – it’s called “climate controlled self storage” and it’s available in a town near you wherever you are.

Self-Storage facilities are basically like renting out extra garage space for yourself. They tend to be low commitment, month-to-month rentals, and they provide a lot of flexibility for your different storage needs over the course of the year. That being said, some care & effort is needed as you consider the right facility to be renting space from.

Choosing Location: As mentioned, storage facilities can be found across most towns in the US. Even if you live in a low-density region out in farm country, some facilities will almost definitely exist within a short drive of you. If you’re anywhere close to a large city, we’re probably talking about 10 minutes driving distance from you at any given place in the city. So make sure you google around and find a place that’s convenient for you and close to home.

Storage Unit Size: What are you storing? Lots of big wooden furniture and antiques? Maybe get a large 20’x10’ unit. Or is just a bunch of seasonal decorations? If so, maybe try not to overspend and get a smaller 10’x5’.

Climate Control is Critically Important! Mold is not your friend. You don’t want to breathe it in in your own home. And you don’t want it impacting your valuables that you’re storing in a facility that doesn’t control for both temperature and humidity swings. Bad things like Mold and rust happen when the localized indoor air goes through big swings in temperature which in turn causes changes to relative humidity. This is the process the creates condensation, which creates moisture which, in turn, creates rust and mold. If you are storing anything that’s valuable and important and is composed of wood, electronics, certain kinds of metal, porcelain, you really need to be careful about making sure your storage units is climate controlled. Also note that this is particularly important in certain parts of the country that experience big seasonal swings in climate. For example, storage units in Waterville Maine will need climate control more than units in temperate Virginia.

o Also, keep in mind that Climate Control may end up being slightly more expensive. Facility owners have to spend a lot more money to provide electricity to the sites in order to provide this critically important service. Is it worth it? If you care about your possessions because they’re expensive or they have strong sentimental value, then yes we think it’s worth it!

Security: Self Storage facilities are certainly not all created equal. You need to be sure that your possessions are well protected! Always demand a certain level of quality in the security of your storage facility. You need to have 24/7 Video Surveillance, a gate with keypad coded entry, strong facility lighting, and some on-site management.

Closing Thoughts: Enjoy this fun and exciting time of year with your family and nestled inside your homes. When it gets cold out, this is the perfect time to dress up your home for company and to keep making it better. If and when you run out of space to do this, take a minute to google around for local self storage facilities. But make sure to search for reliable places with strong security, climate control, and a convenient location.

We Want to Hear Your Story! If any of you reading have experience with self-storage, we’d love to hear your story! Please send us your comments below!

Home Maintenance Jobs You Can Tackle During COVID

While the Coronavirus has proven a difficult adversary that has kept many of us working from home during these past few months, it also gives us the opportunity to think about some of the maintenance and upgrades that have been sliding at home recently. Even though lockdown restrictions may be weighing on your mind, there are some things you can do around the house to take back some semblance of control and improve the energy in your home at the same time.

Retile the bathrooms or kitchen.

Retile jobs are inevitability just as important as the upkeep of your roof. Eventually, you will have to replace these floorings and there’s no better time than while you are spending an increased amount of time at home. This way you can enjoy the upgrade even more. Replacing old tiles and eroded grout with new, larger tiles can make rooms feel bigger and more homely without any additional upgrades or renovation projects designed to change the layout of the space. Using larger tiles also cuts down on the installation time and makes for a seamless design.

Alternatively, you might decide to opt for hardwood flooring. This is a great option in the kitchen or common areas of the home and adds a whole new vibe to the feeling of the house. Laminates or solid hardwoods both last years and require little upkeep apart from a simple cleaning regimen, and they look fantastic!

Repair aging appliances.

Looking for an Oregon appliance repair company to refurbish your older appliances is a great way to breathe new life into the things you use every day, without having to fork out a heap of cash to buy new ones. Fixing the refrigerator, water heater, dishwasher, ice maker, or dryer are all great ways to bring in the feel of freshness into your daily routine at an affordable price. While these appliances will eventually give out, repairing them instead of simply trashing them for new ones when they first begin to experience difficulties can extend the lifetime for years to come. Hooking these staples of modern living up with pressure sealing washer gaskets instead of the standard washers is a simple and incredibly cost-effective way to ensure that they keep humming at full efficiency for years to come. This is especially important in preventing additional water or dust damage clogging up the system along the way.

Clean up your landscaping.

Installing a new garden is another great way to improve your home during this time away from your usual schedule. Gardening is a fantastic way to relieve stress, and laying new sod, planting flowering bushes, or mulching your beds can improve the look and feel of your entire home with just a few hours’ work. Working on your yard is a fulfilling part of homeownership and makes for great family time as well. Put your kids to work by getting them to upgrade or replace piping in your sprinkler system or have them rake up the fallen leaves from your trees during the fall. This can make for some great bonding time that simply can’t be had indoors.

Another home maintenance opportunity is to spruce up your patio area. Ordering new furniture or building a gazebo yourself are both great ways to increase the hospitality factor of your home and make for a fun and relaxing place to spend your afternoons and evenings with your family.

Now is the time to dive into some new and exciting home maintenance projects. While your family spends more time at home, make the effort to make the space more inviting and homely so that you can all enjoy it that much more.

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4 Common Types of Cosmetic Surgery

People today seek to improve their image in various ways. It can be improving a lifestyle or changing what to eat. A traditional way to enhance once appearance is with the help of experts in the field of St. Louis Cosmetic Surgery.

Aside from having natural ways to beautify, it is always a doctor’s prescription to match beauty with a balanced outlook in life. Loving who you are, means paying attention to your physical flaws. Mostly if they affect your health.

Cosmetic Vs. Plastic Surgery

Cosmetic surgery is different from plastic surgery. Although the procedures target the same body parts, results are safer after. Cosmetic surgery procedures are one of the good alternatives.

Also, what you need to pay closer attention to is the use of the terms. Some plastic surgery practitioner will alter your option by presenting cosmetic plastic surgery. This is not a safe alternative. It all boils down to the process one will undergo.

Have a more in-depth basic knowledge of natural body contouring methods and their processes. Here discussed are the types of cosmetic surgeries.

1- Fat Transfer Breast Augmentation

A safer boob job is through fat transfer and excess skin removal. This procedure helps a woman who needs to either reduce or increase breast size.

Removing excess skin from the boob is also called mastopexy. This results in lifting the boob to prevent sogging. Those who came from breastfeeding suffers from the sogging boob. Some who need reduction are women who want proportionate breast size to height or weight. Thus, they need breast augmentation.

Breast implant or mammoplasty uses fat to add to the breast size. This uses the natural part of the body and does not need fake boobs to be implanted. Usually, the fat is taken are the butt or thigh, or sometimes upper arms.

Breast implants such as silicone or saline cause harmful effects. The fake boob can burst and leak saltwater compounds in your breast area. This is why others prefer this to a silicone implant.

Silicone, however, had caused a lot of concerns when side effects also harmed the patients. These are plastic surgeries that use “plastic” products to add more volume to the breast.

2- Liposuction, the Refined Method

Liposuction, this term is popular to all. Hearing that gives you goosebumps. Traditional lipo had been damaging and traumatic to others.

Now, have you heard of Jet Water Lipo, Vaser Lipo, or Cool Lipo? These are a refined alternative to the old-school liposuction. These methods departed from the tissue-damaging process and tools.

Take a deeper look at how Vaser Lipo is done. This lipo procedure is aided by ultrasound technology. A cannula rod is inserted in the target area.

The ultrasound vibrations will melt the fat. The rod is connected to a vacuum device, and it then sucks out the emulsified fat.

3- Butt Lift with Fat Transfer

Just like breast lift, butt augmentation can be safer now using fat transfer. A rounder buttock helps those who need more support in their bottom area. Sitting can be more comfortable. Flat butt sometimes contributes to back pain for some. Or sitting is painful when the butt is flat.

Another way around butt augmentation is reducing size. This one aids the process of fat transfer to another part as the breast. It makes the process efficient, as well. So, if you’re going to achieve perfect body proportion, you can increase the boob size and slim down the butt.

4- Face Lift

There is a natural way to remove wrinkles, sagging facial skin, or discoloration on the face. Traditionally, plastic surgery is a typical process for changing facial features. Today a safer procedure is through fat transfer to make pronounce facial outlines.

Fat transfer for facial contouring also helps those who want to have fuller lips, cheeks, or chin.

Being beautiful takes effort and sometimes facing your fears. But it does not have to put your health and safety at stake. Do research first and look for natural cosmetic surgeries the certified practitioners recommend.

The Beginners Guide To Coloring Your Own Hair At Home

A lot of people are scared about dyeing their own hair at home, which is understandable because you can’t really afford to make mistakes. But hair dye kits are great and the results will look amazing as long as you get it right. However, there are a lot of products to choose from and it’s important that you know the proper technique before you get started, so it can be quite daunting. The thing is, you can save a lot of time and money by coloring your own hair at home, so you should definitely give it a go. 

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If you have always wanted to color your own hair but you are still a bit apprehensive about it, this beginners guide will tell you everything that you need to know.

Choosing The Right Color 

The first step is to choose the color, which can be tough because there are so many products available these days. If this is your first time dyeing your hair, it’s best to go for a shade that is similar to your own instead of making a big change. For example, if you are a natural blonde, why not look for some dark blonde hair inspiration online? If you have light brown hair, you could consider a darker shade or maybe add some blonde highlights. It’s important that you don’t get too ambitious because there is a lot more potential for mistakes when making a drastic change. You are also more likely to damage your hair if you bleach it and then apply a new color on top, so start out with a small change first and then you can get more ambitious as you get more comfortable with the process.

When you look at dyes on the shelf, they are usually organized in color order. Hold up the box to your hair and try to find the shade that most closely matches your natural hair color. Then, you can start looking at dyes in that section so you don’t stray too far from your color. Ideally, you want to choose from the next two shades either side of your natural color. 

Even if you have relatively short hair, it’s worth picking up two boxes of dye. You don’t want to run out halfway through and if you don’t use the second box, you have one ready for next time. If you decide that you don’t like the color, you can just return it and get a different shade. 

Don’t Mix Colors 

If you can’t quite find what you’re looking for, you might decide that it’s a good idea to mix two different shades together to create the perfect color. But it isn’t a good idea, ever. Dyes are not designed to be mixed and the end result will not turn out how you think it will. Even when you are using a single color, the result may look slightly different from the box, depending on your natural color. Mixing two dyes from different brands is even riskier because they will contain different ingredients that may react badly when mixed together. If you want a custom shade, you will have to go to a professional stylist

Don’t Skip The Patch and Strand Tests 

Any hair dye that you buy will instruct you to conduct a patch test and a strand test. You might be excited to get started and decide that you don’t need to bother, but this is never a good idea. The patch test is designed to make sure that you are not allergic to any of the ingredients in the dye. Simply take a small amount of the dye and put it on a patch of skin behind your ear. Leave it overnight and see whether anything happens. If you don’t do this and you apply the dye all over your hair, only to realize that you are allergic to it, you will find yourself in a lot of pain and it can seriously damage your hair. 

The strand test is there to make sure that your hair doesn’t react badly to the dye and you actually like the color. Remember, it won’t always come out exactly the same as it looks on the box, so you should always do a strand test on a piece of short hair. If you skip this test, you could end up with a completely different shade that you hate, and there isn’t much that you can do about it apart from dyeing your hair again, which can cause damage. 

Protect Your Skin 

No matter how careful you are when applying hair dye, you are always going to get some on your skin. Usually, people end up with spots around their hairline on the back of their neck and they’re very tough to get off, especially if you are using a dark color. The good news is, you can easily protect yourself with a simple lip balm or some vaseline rubbed around the hairline before you get started. You should also apply it around your forehead and around the ears because these areas are likely to get covered in dye as well. 

Read The Instructions In Full 

Dyeing your hair might not seem that complicated but there’s more to it than simply slapping the dye all over your hair and working it in. You need to know how long to leave it in for to get the perfect color and how to wash it out properly. Every dye is slightly different, which is why you should always read the instructions in full before you get started. In the instructions, you will find a list of all of the tools that you need, like a bowl, brush and gloves. Get all of these items together before you start applying any dye so you don’t end up trying to find things halfway through. Closely follow instructions about washing the dye out because leaving it in for too long can cause damage to your hair and scalp. 

Dye On Dry Hair 

Now that you have read the instructions in full and gathered all of your tools, it’s time to get started. For the best results, you should always apply dye to dry hair. Although it is possible to dye wet hair, it may not take to your hair properly and it can become diluted, which means that the color won’t come out right. 

When you apply dye, take it slow and steady. Squeezing the bottle directly onto your hair and spreading it out is not the way to go if you want even coloring throughout. Instead, you need a bowl and a brush so you can apply it precisely and ensure that you get enough dye throughout. You should always start with the roots because this is where hair growth begins, so they need more dye. Then, start working through the hair in sections, using clips to separate hair to make it easier to get full coverage. 

Get The Aftercare Right 

Once you have applied the dye, waited the correct amount of time, and washed it out, you can enjoy your new color. But if you want it to last and you want your hair to be healthy, it’s vital that you get the aftercare right. 

When your hair gets wet, it starts to strip the dye out. There is no way to prevent this completely, but you can make the dye last a lot longer if you use a color safe shampoo. They are specifically designed to be kind to colored hair and stop the color from stripping out as quickly when you wash your hair. 

You can also use a color boosting gloss that deposits a small amount of pigment in your hair and boosts the color, helping it to last a lot longer. They come in various shades, so find the one that most closely matches your color and use it around once a week. 

Moisturizing your hair properly is very important as well because hair dye can cause it to dry out and become brittle. You can use a good quality conditioner for this but there are some great natural remedies, like honey, which work wonders on your hair as well. Your hair is more prone to damage when you color it, so make sure that you have a good haircare routine in place to protect it. 

Sun damage is a big problem for people with colored hair as well. Exposure to the sun works in much the same ways as bleach does and it will lighten your hair over time. Your hair won’t look great if it starts to fade due to sun damage so you need to protect it. The easiest way to do that is to simply wear a hat when you are out in the sun for long periods. 

Coloring your own hair at home is much cheaper and more convenient than visiting a salon, but there is a lot that can go wrong. However, if you follow all of the steps in this guide, you should be able to achieve the perfect color. 

  

Tips for Cleaning Up Excessive Debt

Having excessive debt can cause enormous amounts of stress. Listed below are several tips to help you reduce your debt and end the worry of late or missed payments. 

Know the Amount of Money You Owe

In order to clean up debt, you need a starting place. Begin by gathering all of your current bills to identify the amount of money you need to pay out monthly. It’s also important to factor in other monthly expenses such as food, gas, and household supplies. Once you have that figure, deduct it from your total net income. The larger the amount remaining, the more likely you are to clean up your debt quickly.

Sticking to a Budget

Now that you know exactly what you owe to whom, you can use the information to reduce your debt. You enjoy going out with friends to dinner, the theater, and on occasion to the casino to play casino table games. Without a budget in place, having the money to enjoy your time off becomes more difficult. 

A Budget Helps You Now and in the Future

A budget helps you track your money. As a result, you reduce wasteful spending and learn ways to stretch every dollar. You also learn how to develop savings for things like a vacation, a down payment for a home, and your retirement. When you see exactly the amount of debt you have, you can start the process of reducing it. 

Adopt New Spending Habits

With a budget in place, you develop good spending habits. Instead of buying on impulse, consider all purchases ahead of time. For example, if you need a new roof, you look up several contractors to see who offers the best price and who has a good service record. 

Eliminating Wasteful Spending

Of course, you can only reduce excessive debt if you eliminate wasteful spending. You may have a habit of buying coffee on the way to the office and lunch daily. These two items alone can cost upwards of $250.00 or more each month. 

Credit Card Debt

On average, consumers owe over $8,000.00 in credit card debt. Unfortunately, it comes from two, three, or even four credit cards compiled. One card on its own is difficult on a tight budget. However, when you have multiple cards accruing interest, it can take years to pay them off. Paying your credit cards down needs to be a priority. Thankfully, there are several ways to achieve it quickly. One option is to refinance your home and use the money to pay off the cards completely. A second option is to take out a personal loan to consolidate the debt into one lower monthly payment. If you are not able to secure a loan, paying more than one card monthly and continuing until you pay it off will also provide effective results. 

Savings

Many people get into trouble with excessive debt due to unforeseen circumstances. The loss of income, a sudden illness, or a major unexpected expense. Regardless of the one that applies, it forces them to draw funds from their checking account to cover expenses. Having an emergency fund with at least 3 months the value of your monthly bills set aside will prevent this scenario from happening. 

Separate the Wants and Needs

People often confuse their wants and needs. A need is something essential whereas a want is something you desire. While working towards dissolving your excessive debt, refraining from indulging in wants will allow you to achieve your goal quickly. It’s fine to want things, after all, you work hard and deserve nice things. However, there’s a time and place for everything.

Excessive debt can cause you to stress daily. Taking steps to reduce it will allow you to return to a comfortable, stress-free lifestyle. 

6 Things People Open Savings Accounts For

In a world that seems to have gone mad, saving your money has become more important than it ever was before. Of course, the things that people open savings accounts for vary from person to person and family to family. 

Regardless of why you’re opening your credit union savings account, it’s important to do it now and keep the money there until you reach your goal. In this blog, you’ll find a few of the things that people commonly open savings accounts to save for. Are you saving for the same thing? 

Christmas 

From sweet Christmas pajamas for the entire family to the snowman that sits in the front yard, Christmas can be expensive. That’s why many people open a holiday savings account through their bank to ensure they have the money needed when the holiday season rolls around. You simply draw out the money, spend it on presents, decorations, and the like, then start depositing money again after the holiday to work towards the next one. 

Vacations

While vacations are on hold at the moment, the time will come when you can travel undeterred again. Now is the perfect time to open a savings account and start tucking the money away for the vacation you’ve always wanted. Whether it’s a trip to Paris or a week at the beach in another state, saving for your next vacation is certainly a worthy cause. Don’t forget to check into discounts as well, and who knows, you might have money left in your savings account after your vacation that can go towards the next one. 

Children’s College Education

Anyone who has ever been a parent knows that they’re grown before you can blink an eye. That’s why many parents start a college fund for their little ones as soon as they come into the world. The price of college tuition is sky-high and only going to get higher, so having money socked away to help pay for college is a worthy cause. 

Retirement 

While saving for your retirement may seem like a no-brainer to some, you’d be surprised at the number of people who leave it to the last minute or don’t save at all. Start your retirement savings account early so that you don’t have to struggle when you’re in your golden age and no longer working, because social security benefits very seldom pay the bills, and have enough left over to live comfortably. 

Medical Emergencies 

You never know when life is going to throw a medical emergency your way, and even if you have good insurance you’re still going to have to pay the deductible. On top of that, many medical emergencies end up with you being out of work or having bills that you didn’t have before. It’s better to prepare for those emergencies now than to wish you had done so later on down the line. 

Unemployment Periods

Anyone who thought that their job was safe was taken down when COVID-19 hit and unemployment statistics went through the roof. It’s important to open a savings account and put money in it for a rainy day. You never know when something is going to happen and you’ll be without an income for a period of time. It’s best to be prepared, don’t you think? 

These are just a few of the things that people open savings accounts to save for. Whatever your reason and whatever you choose to save for, you should do it as soon as possible, instead of putting it off. Besides, the more money you have socked away for whatever reason, the better you’ll feel in the long run.

Design Trends Making a Comeback

We all know that trends come and go, particularly in the world of interior design. Last year and this year, in particular, we have seen numerous trends that haven’t been de rigor for years come back into fashion as stylists, manufacturers, editors, and others look increasingly to the past for ideas. Here are some key trends making a comeback that you should keep your eye on today.

Woven Furniture

Woven furniture has had a few periods of popularity before and, after going out of fashion for decades, is back in a big way right now – not just in sunrooms or patios, but throughout homes. Cane, wicker, rattan, and other furniture has resurfaced in a contemporary way that’s showcased in everything from woven dining room and reading chairs to intricate bed frames, bedside tables, benches, shelving units, and more.

The trend helps you to add a soft, natural element to your interior design. It’s especially used in a modern, boho way now when mixed in with darker grounding shades such as charcoal and matt black. Steer clear of using it in a room with too many light, pastel shades if you want to be on-trend. If you’re not sold on adding too much of this look into your property, start small with things such as appealing woven ceiling fans, a single wicker chair in the bedroom, or a bedside table in the guest room.

Wallpaper

Wallpaper has been slowly but steadily making its way back into the interior decorating mainstream over the last few years. Many of the most prominent design names are using it or even lending their brands to collaborative wallpaper projects.

Energize one or more rooms in your home with wallpaper that showcases big, bold, modern designs that add impact and creative flair. Almost like a wall-sized piece of art, today’s wallpaper options are large-scale and dramatic and add plenty of pizazz to any room.

Colorful Kitchens

For many years, most of us have kept our kitchens simple, light, bright, and white. After all, this neutral color palette suits all sorts of architectural styles and looks clean and fresh. However, color is creeping into the cooking zone of the home more and more.

With many designers and homeowners sick of the monochromatic, monotonous look, there has been a resurgence in appliances made in both bright hues and pastel shades, not to mention colored cabinets and striking benchtops. If you want to add energy to your kitchen without going all the way, bring in a pop of color with fun backsplash tiles or the smaller benchtop appliances you use, such as kettle, toaster, food processor, and coffee machine.

Maximalism

Are you sick of having to streamline all of your possessions and stick with simple furnishings, minimal accessories, and neutral shades in every room? If so, you’ll love the fact that maximalism is overthrowing minimalism in 2020.

Whether it’s to do with people wanting a change or needing to feel comforted by lots of homely belongings in a turbulent world, or something else, now’s the time to pull out all your beloved trinkets or pick up exquisite new finds from op shops, markets, or antique stores. Be open to looking beyond clean surfaces and sleek designs. Instead, look at pieces with plenty of curves, details, and even oversized scale.

Tin Ceilings

This letting go of minimalism is also affecting architectural and fixture and fitting design choices. Today, many people are keen to evoke old-world appeal and enjoy charming interiors that tell a story and have an emotional connection, whether their home is decades or hundreds of years old or brand new.

One way this choice is coming out is via the revival of tin ceilings. They were popular in the 1800s, and now homeowners and designers are yet again being drawn to the attractive, timeless patterns found in these kinds of vintage-look ceiling tiles. This funky feature can be customized to fit any room size or aesthetic, with many different embossed design options and shades to choose from.

80s Style

For years most of us have laughed about the lurid stylings that defined the 1980s and cringed at photographs of ourselves taken during the decade. Yet, in another example of people likely being sick of minimalism and all-white rooms, we’re seeing a current trend evoking the eighties’ heady boldness yet again.

Increasingly, people are incorporating fun retro aesthetics through 1980s-style pastel and neon shades, as well as geometric forms. If this all feels a little too bright for you, add in 80s flair with chequerboard and houndstooth flooring or upholstery.

The saying goes that a change is as good as a holiday. In a year when a global pandemic means many vacation plans are being postponed, now might be a great time to give your home a reboot. If so, consider one or more of the above trends as you design the spaces afresh.