Decorating On A Budget? Try These Tips And Consider A Loan!

Young couple renovating their house and painting wall together

23 Jan Decorating On A Budget? Try These Tips And Consider A Loan!

Decorating your home on a budget doesn’t have to mean compromising on comfort or style. With a little creativity, it’s possible to transform your home into a stylish haven without breaking the bank. Read on to get three budget-friendly decorating tips as well as a guide to home improvement loans to help pay for those renovation projects.

1. DIY interior wall painting

A simple and cost-effective way to refresh a living space is with a new coat of paint. You’ll be amazed at the impact interior painting can have on your home for a relatively low-cost investment.

  • Choose colours that reflect your personality and style.
  • Highlight your décor with contrasting or complementary paint colours.
  • Use items in the room as inspiration for colour, such as an artwork, a lounge suite, or a favourite blanket.
  • Keep the walls neutral and use bold pops of colour for accent walls or accessories to add a touch of sophistication.
  • Colour test a large area with accurate lighting to get an idea of how the final paintwork will look.
  • Choose the right paint type for the right room, such as semi-gloss in high-moisture areas to prevent mould or satin finish on high-traffic areas so it’s easy to clean.

2. Trade second-hand furniture

Buying second-hand furniture is an excellent way to redecorate your home without spending a fortune. What’s more, it’s kinder to the environment as it stops furniture ending up in landfill, so it’s a good way to shop more intentionally. From Facebook Marketplace to Opportunity Shops to garage sales, there are a wealth of pre-loved, vintage and antique furniture finds just waiting for a resourceful buyer to scout them out.

  • Embrace the charm of pre-loved furniture by exploring second-hand options.
  • Visit local thrift stores, online marketplaces, or garage sales to find hidden gems that add character to your home.
  • Check each piece carefully, looking for old damage, bugs, or mould before deciding whether to buy.
  • Give old furniture a facelift by cleaning, repainting, staining the wood, or recovering tired upholstery.
  • Consider your existing furniture and choose pieces that complement what you already have.

3. Change furniture layout

Another clever way to redecorate on a budget is to rearrange the furniture. Sometimes simply rearranging furniture or décor pieces can breathe new life into a room, refreshing the space and creating a whole new feel. Experiment with different layouts to maximise space and create a more functional and aesthetically pleasing environment.

  • Change things up by moving items into other rooms or repurposing pieces to be used in a different way.
  • Re-orient the seating to take advantage of a view, whether it’s the TV or a window.
  • Re-organise storage space in the living areas and clear away some of the clutter.
  • Re-arrange living room furniture near light sources to allow enough light for reading and conversation.
  • Don’t be afraid to move the bed into a slightly unusual placement, such as in front of a window, if it helps maximise the space.
  • Avoid overcrowding rooms and use taller pieces that add volume with a smaller footprint, such as a tallboy in a small bedroom.

Consider home improvement loans

When it comes to projects, such as home renovations or an upgrade, home improvement loans can be a viable option. Home improvement loans offer flexibility to finance home renovation projects such as a kitchen upgrade or a bathroom makeover. With home improvements loans, you can redecorate your home without having to wait until you’ve saved enough. And with favourable terms and interest rates, home improvement loans can be a real lifesaver if you need to renovate in a hurry.

  • Applying for home improvement loans with Max Loans is easy and fast.
  • Find out up-front how much you could borrow and what your repayments will be.
  • Know how much you can spend on your project so you can budget realistically.
  • Use home improvement loans for many purposes, from a simple upgrade to a costly new addition.
  • Modernise your home, or re-model the kitchen or bathrooms.
  • Cover the cost of urgent repairs such as replacing the roof, or necessary enhancements such as central heating, air-conditioning or double glazing.

Alternatively, if you’re considering a large-scale project like adding an extra bedroom, and find your monthly budget a bit tight, our Mortgage Advisers at Max Mortgages can work with you to explore the possibility of increasing your home loan to fund the renovation. By rolling your renovation costs into your home loan, you can spread your repayments over an extended period to reduce monthly repayments and take advantage of lower interest rates. However, it’s important to note that if opting for a longer repayment period it could result in paying more interest over the life of your loan. The choice of financing really depends on your specific financial situation and requirements. To discuss your options, give us a call on 0800 ASK MAX (0800 275 629)!

Transform your living space

If you’re looking to spruce up your living space without breaking the bank, consider refreshing with interior paint, exploring second-hand treasures, or re-arranging the furniture to refresh the rooms. Use home improvement loans to finance the cost of projects such as home renovations or upgrades to bathrooms and kitchen. Talk to a Max Loans Adviser about home improvement loans or other NZ loans, and get personal lending advice specific to your circumstances and situation. Get in touch today and kick-off your home décor project with style.

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