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Tag Archives: mortgage

Getting your first home in shape

30 Sun Sep 2018

Posted by Stark in Life and Fashion

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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

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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

Make the Most of Your Space

12 Sun Aug 2018

Posted by Stark in Life and Fashion

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armchair, bigger, bold prints and stripe, books, bookshelves, bottles of wine, brilliant, cables, candles, cash, chalk paint, charity shop, cheap, clear out, coats and scarves, contracts, contrasting colour, cool coffee table, costs, deposits, desk, doors, dressing gowns and hoodies, dust, easy, expensive, furniture bible, hanging, hats, home, home decor style statement, inches, kid’s toys, kitchen cupboards, linen basket, lotions and potions, magazines, mortgage, moving house, newspapers, on-trend bookcase, packing boxes, paintings, plant pots, removal companies, rubbish, ruthless, small price, sofa, space savers, student, studio flat, the clothes airer, tidier, towels, Vacum bags, wardrobe, wooden step ladder, yoga mats

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Moving house to simply get more space is extremely common, but it is also very expensive.

From deposits and contracts to removal companies and packing boxes, the costs soon add up. Rather than making a big move, we think that you might have more room than you imagines. Whether you are a student in a studio flat, sharing a maisonette with mates or doing the full monty and paying a mortgage, we have some ideas to help you make the most of the space, and the cash, you do have.

Be Ruthless
Before you do anything else, have a good old clear out. Go room by room and work out what you want to keep, what is gathering dust and can go to the charity shops and what is just rubbish and needs to go. You will be amazed at the number of newspapers, books, cables and pairs of shoes you have held onto for all the wrong reasons and are just cluttering up your space, and life too.

Push It High
You might look at the space in front of you, but what about the pockets of air in high places that are left to gather dust? The top of bookshelves, kitchen cupboards and bathroom cabinets are all potential space savers, but we don’t always think about using them. These are great places to stack your books, photo albums (if you still have them) and even store those winter jumpers you never really have room for. Vacuum bags are good for clothing storage and you can buy some pretty cool boxes that look good and hide a multitude of space sins. Win, win.

Use All the Spaces
People often talk about dead space, but you don’t want to think about things in this way. Whether it is the few inches under the sofa, the top of wardrobes or the beside your kitchen cupboards, this can all be used for tucking away magazines, yoga mats, the clothes airer and a many other things that need a home, but currently don’t have one.

Don’t Forget Doors
Doors aren’t just made to be opened and closed, they are also made for hanging things on. Investing in a few over the door hocks can give you a lot of space, for a small price. Think hats, coats and scarves as well as towels, dressing gowns and hoodies, and your home suddenly become a bigger, better, brighter place.

Get a Basket
Or two. Baskets are a brilliant, easy, cheap way to store things that don’t have a place right now, but that you want to keep. Magazines, kid’s toys, bottles of wine, shoes and so much more can all be put in a basket, and if you go for a contrasting colour to your walls, or find bold prints and stripes, you will make a home decor style statement too.

Think Out of the Box
That chest you have in the living room, as well as being a cool coffee table, it can also be home to your bulky winter coats. The linen basket can double up as a handy table for your lotions and potions, and a wooden step-ladder becomes an on-trend bookcase after a lick of grey chalk paint.

Be Inventive
Yes, bookcases were made for books, but they are also the perfect resting place for plant pots, paintings, candles and those trinkets you want to keep for sentimental reasons. At the same time, you can have a desk in the kitchen, an armchair in the bedroom and a chest of drawers in the study.

So, rip up the furniture bible of the past and go your own way to make more space in the home you live in and love.

Team Pure Beauty

Get on top of your finances in 2018

28 Wed Feb 2018

Posted by Stark in Life and Fashion

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add up, auctions, bargains, bills, BOGOF, budget, buffer, cake, car boot sales, car insurance, car payments, charity shops, cheaper, Citizens Advice Bureau, deals, eat, end of the day deals, entertainment, environment, finances, fixed costs, food shopping, freeze, fresh, heating, holidays, housing, incomes, insurance, list, loaf of bread, loyalty cards, money, month, mortgage, packed lunches, pets, phone bill, pocket, Rainy day fund, rent, retro, save money, savings, school uniform, shopping, snacks, spend, spiralling out of control, standing orders, statement, stress, utiliy bills, value, vouchers on leaflets, waste, water, work, worries

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Do you know how much you can afford to spend each month, or do you keep using you cards and then lie awake at night working out how you’ll pay for everything?

With Brexit just over a year away, businesses concerned about the future and the world in a volatile place, money worries are on the rise, as are prices, and debt seems to be a bigger issue for many people.

While rent and council tax take up a big chunk of incomes, those large costs often aren’t the problem, it’s the smaller bills that add up and the unexpected expenses that can cause stress.

We have had a look at how to keep on top of things so you don’t feel like you’re going under every time you look at your statement.

Have a budget
Yes, it sounds simple but sometimes going back to basics can be a good idea. Making a list of the money coming in and out each month lets you see exactly what is happening with your finances, rather than burying your head in the sand. Firstly look at income, then list all of your fixed costs and should including your housing, utility bills, standing orders, car payments, insurance and phone bills. Then look at your fluctuating costs such as food shopping, entertainment, holidays, pets and anything else you have to cover. With all of this in hand you can work out how much is left, or not, and where changes could potentially be made.

Shop for the bargains
We all like nice things, but there are many savings to be had out there, and deals can really help keep you buoyant. Buying presents in the sales, stocking up on school uniform when it’s half price and shopping around for cheaper car insurance might seem like an extra job to add to your list, but the pounds soon add up. It is also worth looking at the money off vouchers on leaflets, loyalty cards and incentives as these can make a real difference to your pocket.

Meal planning
Another way of saving money is by actually only buying the food you need and not letting fresh items go to waste. Before you go shopping, work out what you are going to eat in the week, include packed lunches and snacks, and only buy those items. Yes, BOGOF might seem like a deal you can’t miss out on, but when that extra cake or loaf of bread goes mouldy, you haven’t saved anything at all.If there are items deals going cheap at the end of the day, buy them but only if you are going to eat or freeze them straight away.

Turn off your lights
It is amazing how many people leave lights on, have the heating burning at full blast when they are out and let the water run as they brush their teeth. All of these things cost money, so turn things down and switch them off if you want to save money, and the environment.

Second hand options
Vintage, retro, upcycle are all on trend and for a good reason, they offer value. You don’t have to buy everything new and if you go to charity shops, car boot sales and auctions, you will amazed at the bargains there are to be had.

Rainy day fund
We all like to think the unexpected won’t happy to us, but it does. If you can, try to save a little money each month so that if the car does break down or the boiler goes wrong, you have a buffer and don’t hit the red.

Keep on track
Once you have your finances in place, don’t them slip. Making lists, having a database and checking your online banking on a weekly basis can help you keep on track. If you do feel things are spiralling out of control, talk things over with a trusted friend or speak to Citizens Advice Bureau but don’t let the bills pile up and the stress get on top of you.

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