Getting your first home in shape

Tags

abode, achievement, bathroom, blank canvas, boring, box, brand-new property, budget, bugs, charity shop, colour, Congratulations, conservatory, costly, decorations, dirt, disinfecting, donated, dust and cobwebs, Dusting, embrace, essential furniture, family and friends, garage, glamorous edge, gold, gold frame, High Street, home, home owner., hoovering, house, instant life, keys, light, list, marathon, mirror, mortgage, moved, mustard, new, new kitchen, paint, pale grey, pink, polishing, pop of colour, pots and pans, property, property shows, replace, rooms, save, simple steps, small fortune, social media, soft white, sold, sprint, striking statement wall, strong blue, TV, unpacked, walls

Congratulations, you are a home owner.

There is something special about taking possession of the keys to your first home and it is certainly a huge achievement.

Turning a house into a home however, can be a costly exercise, but fret not, we are here with some simple steps that will allow you to make your abode your own without doubling the mortgage.

Clean out the dirt
Even if you have bought a brand-new property, we would suggest you go in and give your new place a thorough clean before you do anything else. Dusting, hoovering, polishing and disinfecting will rid your home of any dirt and bugs and give you a totally blank canvas for the next step of your life.

Don’t blow the budget on day one
Heading straight to the High Street the moment the last box is unpacked, isn’t the best plan. It might be boring but making a list of exactly what you already have, costs nothing and could save you a small fortune. Ask yourself whether you need everything you have already got, what can be moved into other rooms and anything you don’t need can be sold, given away or donated to the charity shop.

Paint the walls
A quick lick of paint is a super easy, pretty inexpensive way to give your home an instant lift and to give it your own stamp. We would suggest going for a soft white or pale grey that can run through the entire property. If you want to make a splash in one or two rooms, go for a striking statement wall in a strong blue, mustard or pink which will offer not only a pop of colour but a glamorous edge too.

Add light with mirrors
If you want to add bursts of light to your rooms and shimmer to your walls, mirrors are the perfect solution. Strategically placing mirrors on walls will add depth and light and also give an air of sophistication if you choose ones with a gold or wooden frame.

Call in favours
If this is the first home of your own, call in the favours when it comes to essential furniture, decorations and even pots and pans. Make a list of what you need and while it might not be perfect, you will be amazed at what family and friends have in their garages and shed gathering dust and cobwebs. Start asking around, put posts on social media and go to garage sales and boot fairs and you’ll have all you need in no time and can replace with new when the time is right.

Take it one room at a time
When you are ready to do some work, take it one room at a time. As you will have seen from the TV property shows, renovation projects can be costly, stressful and often take far longer than expected. Whether you need a new kitchen, the bathroom need replacing as the current one is a ‘70s shade of avocado or the conservatory needs taking down, start at the beginning and don’t take on more than you can achieve – this is a marathon not a sprint.

Relax
Last but by no means least, please relax. You only buy your first home once, so make sure you enjoy it and realise what a massive milestone this is. One of the best parts of buying a new house is the freedom to do what you like with it, when you want, so embrace it and have fun.

Team Pure Beauty

Spring clean your finances

Tags

100%, admin, advantage, advert, April, balance transfers, bank, bank statements, bill, budget, building society, carboot sales, cash, cash flow, charity, claim, claims guys, clear, clutter, Collect points, credit cards, do it yourself, financial, free coffee, garage, garden, gym memberships, home, inbox, insurance policies, internet bills, investments, ISA, loyalty schemes, magazine subscriptions, manager, month, offer, online services, paperwork, pay rise, pennies, pounds, PPI, promotion, rainy day, recycle, savings, shopping, sites, small print, vouchers, work hard, www.which.co.uk

You think nothing of spring cleaning your home, garden or garage, but how often do you take stock of your finances?

Make April the month to clear away those cash cobwebs and let the pennies take care of the pounds.

Sort out the admin
It is well worth spending an hour or two getting your paperwork together so you can see what your financial position is at this current moment. If you don’t know where you are, it’s hard to get a plan in place for the future. Sit down with a cuppa and your bank statements, insurance policies, energy costs, mobile phone and internet bills and anything else you pay out on. Make a list of how much things are costing each month and this will give you a good starting point.

Chuck out what you don’t use
This might sound silly but check your bank statement carefully as it could be you are paying for gym memberships, online services and magazine subscriptions you no longer use and if that’s the case, look at stopping these so money can be better spent elsewhere.

Swap things around
We know that changing suppliers can be a pain but it is worth shopping around and seeing where savings can be made.

Look for balance transfers on credit cards
If you’re paying full interest rates on your credit cards, see if you can move to another provider so you can clear your balance quickly and for less.

Make the most of your savings
If you do have savings accounts or an ISA, pop into your bank or building society and make sure you are getting the best return on your investments. Also, make sure you use your IAS allowance because you either “use it or lose it”.

Ask for a pay rise
If you work hard and give 100% to your employer, at your next review why not ask for a pay rise? Write a list of all your achievements over the past year and when you sit down with your manager highlight these and your ambition to move up the career ladder. Put your best points forward and you never know, you might get a rise and a promotion! If you don’t ask, you don’t get!

PPI
You have seen the adverts but if you think you have something to claim when it comes to PPI, or are just interested, the window closes on 29 August 2019. Try to steer away from the claims guys and instead look at www.which.co.uk to find out how to do it yourself.

Collect points
Using loyalty schemes might feel uncomfortable for some, but they can really make a difference. Points can equal cash, vouchers and free coffee, so read the small print to make sure you aren’t signing your life away, but if it’s going to help, take advantage of what’s on offer.

Recycle
If you want to make some cash, as you spring clean the house look at what you can sell on local sites or at carboot sales and give away anything else to charity to keep the clutter at bay.

Once you have got your affairs in order, create a budget, including saving for a rainy day, and stick to it. You will find that if you are in control of your cash, it will not longer control you and you won’t feel sick each time a bill lands in your inbox.

Team Pure Beauty

Could your garage be your home office?

Tags

air conditioning unit, bin, blinds, book shelves, bright space, bumper to bumper traffic, central heating, chair, chargers, chic workspace, clean, coffee cups, computers, creative, curtains, desk, desk lamp, door, eBay, electrician t, essential oils of mint, extension cables, fans, files, filing cabinets, floors, garage, good working order, Gumtree, home office, investment, lavender, lemongrass, mugs, natural burst, paddling pools, papers, pens, phone, photos, potential, power, printers, pulled together, repair, rubbish, safety conscious, second hand, sockets, Sunday night blues, temperature, TLC, tools, transform, walls, welcoming environment, working environment

With train ticket prices on the rise and meetings eating into the day, for many the idea of working from home is very appealing. While spare rooms and lofts are often the first spaces to be converted for this purpose, garages can be full of potential and can work really well.

You might not see it right now, but with a little creative consideration and TLC, we think you will be able to transform a sad shell into a chic workspace that will put an end to Sunday night blues and bumper to bumper traffic on Monday morning.

Clean it up
The first step towards creating a usable working environment is making the space clean and clear. Sort out what is rubbish, find a home for tools, paddling pools and hoses and then get to work cleaning the floors and walls, tackle the cobwebs and repair any cracks.

Make it light
Garages tends to be dark by nature, but you can transform it with a lick of fresh white paint. If you have windows in your garage this will give you a natural burst of light so give them a clean and add curtains or blinds to create a welcoming environment. If there is no natural light, invest in a decent desk lamp, look at LED lights and create a bright space that you want to work in.

Get the temperature right
It is unlikely you will have central heating in your garage so fans or air conditioning units will be needed in the summer and radiator-style oil heaters work in the winter. Always be safety conscious and ensure they are working correctly and turn them off when you aren’t in the working space.

Power
If you are going to work from your garage you need to ensure it has the correct power needs. You are making an investment in your home, so get an electrician to check things are safe and in good working order.

If you are going to be running computers, printers, phone and tablet chargers as well as heating solutions, it is vital to ensure you have enough sockets. Do not overload extension cables as this could end in disaster.

The basics
Source a proper desk, a decent chair, filing cabinets and book shelves but be sure to measure up before buying to prevent layout issues. If you don’t want to spend a fortune, eBay and Gumtree are great sources for second hand items and you can also try your local recycle centre.

Get the look
As well as being warm and safe, you want your office to be comfortable and inviting. Coordinate your files with your coffee cups and pens for that pulled together looking. Adding photos to the walls and having canvas paintings can really bring your office alive and add a contemporary edge. Plants make the space green and a diffuser means you can keep your mind alert thanks to essential oils of mint, lemongrass or lavender when you want to relax.

Clean up
It might be tempting to leave mugs on the desk and papers in the bin, but if you want to keep things professional and not slip into bad habits, tidy up at the end of each day and lock the door behind you.

Good luck and if you have already made the change, drop us a line and let us see the results.

Team Pure-Beauty