Doris Arnold's Blog
If you think your bathroom needs some major renovations, but you aren’t sure you can foot the bill for a full bathroom makeover, there’s good news. While a complete bathroom overhaul can be one of the most expensive projects in your home, little changes can make a big difference. Read on for tips on how to give your bathroom a boost without taking out a large loan or losing the use of your bathroom.
Add Storage To Your Shower
Doing something as simple as adding shelving to your shower can make it stylish. There are many different inexpensive, easy to install corner shelves for the tub that not only add storage to the bath but make everything look neater and more attractive too. Some shelving even connects with the twist of a rod- no drilling required!
Add Some Art
Those souvenirs that you bring back from vacation don’t need to go to waste. Use them as art for your wall. You can use frames or shadow boxes to display some of your favorite memories from vacations past. Even fun pieces of art that you love can be a grand addition to any bathroom. Make the loo a peaceful little getaway!
Change Up Your Shower Curtain
This sounds so simple but can make one of the biggest impacts on your bathroom. Your shower curtain brings a dramatic effect to your room because it is a focal point.
Put In Some Storage
Your bathroom can become more functional if you add some storage to the room. If the bathroom appears less cluttered, you’ll have more room to store things and feel better about the room. Shelving is such an easy thing to put up and it adds a lot to a room. Shelves can even make the room look bigger! It’s simple to store things that you want to keep out of the way but need in reach.
There’s nothing that brightens up a room quite like paint. It’s the first thing that any interior decorating expert will tell a homeowner looking to bring a new vibe to their home. You don’t even have to paint every wall in the bathroom. Just an accent wall will do wonders.
Nothing brings great feeling to a room like greenery. Plants bring oxygen to a room and make you feel happier when you’re in that space. Science has even proven it! There’s probably no more appropriate place in a home for plants than the bathroom. The moisture and warm environment is a favorable growing condition for many varieties.
Two thirds of American homeowners are somewhere in the process of paying off a mortgage. It may seem like common sense that everyone should try to pay off their mortgage sooner rather than later. However, there are circumstances when it benefits a homeowner more to hold onto their mortgage longer.
In this article, we’ll offer some tips on paying off your mortgage, when you should refinance, and offer some tools that will help you along the long road to debt-free homeownership. If you’re a homeowner and find yourself asking these questions, read on.
I can afford to pay more each month on my mortgage, but should I?
In many cases, paying off your home as quickly as possible saves you money in the long run. A shorter loan term means less interest applied to your loan which could save you thousands of dollars in accrued interest.
What many people don’t think about is whether that money could be better spent elsewhere. If your mortgage interest rate isn’t too high, you might be better off allocating that extra income toward investments or retirement funds where they could earn you more in the long run.
This technique is typically most beneficial for younger homeowners. In your 20s and 30s you stand the most to gain from long-term investments, especially tax-benefitted retirement funds. Ultimately you’ll have to do the math, which is tricky because circumstances change; markets vary, our income goes up and down, etc. However, a good starting place is to determine whether you could earn more in retirement and investments than you could by paying off your mortgage sooner and therefore saving on interest.
I’ve owned my home for a few years now, should I refinance?
One way this can be accomplished is by refinancing to a 15-year fixed-rate mortgage which often darry slightly lower interest rates. This option is designed for people who have improved their credit and increased their income since signing their first mortgage.
Math isn’t my strong suit. How can I figure out my finances?
Use this mortgage calculator for determining how much you would save by making extra payments.
This refinance calculator will help you understand the potential benefits of refinancing your mortgage.
To determine how much you could earn through investments (rather than paying more toward your mortgage) use this helpful tool.
You might be able to increase your savings by creating a better budget for yourself. This website will help you make a detailed budget and hold yourself accountable each month.