Taming Student Loan Debt With Prepayments

Today, two-thirds of college students leave school with at least some debt from college loans. The average debt is approaching $25,000, a figure that includes not just the original amounts borrowed but, for most students, accumulated interest as well.

For students who hold government-issued federal student loans, repayment on those loans won’t begin until six months after graduation, at which point most students will enter a standard 10-year loan repayment period.

Loans That Sit, Getting Bigger

While a student is enrolled in school at least half-time and during the six-month grace period after the student leaves school, even though payments on federal school loans aren’t required, interest on the loans continues to accrue.

If the loans are unsubsidized, the accrued interest will be added to the loan balance and capitalized, and the student will be responsible for paying that interest.

With subsidized federal college loans – which have smaller award amounts than unsubsidized loans and which are awarded only to those students who demonstrate financial need – the government will make the interest payments while the student is in school, in a grace period, or in another authorized period of deferment.

The bulk of most students’ college loan debt will consist of unsubsidized loans – loans that get larger as time goes by and you make your way through college, simply because of the buildup of interest.

Preventing Interest Bloat

As a college student, there are steps you can take, however, to counteract this ballooning of your school loans. There are several ways that you can manage your student loan debt and rein in the added burden of accrued interest charges, both while you’re in school and after graduation.

Seemingly small steps can help you significantly reduce the amount of college loan debt you’re carrying at graduation and could shorten the amount of time it will take you to repay those loans from a decade to seven years or less.

1) Make interest-only payments

Most student borrowers choose not to make any payments on their student loans while in school, which leads to the loans getting larger as interest charges accumulate and get tacked on to the original loan balance.

But you can easily prevent this “interest bloat” simply by making monthly interest-only payments, paying just enough to cover all the accrued interest charges each month.

The interest rate on unsubsidized federal undergraduate loans is low, fixed at just 6.8 percent. Even on a $10,000 loan, the interest that accumulates each month is just $56.67. By paying $57 a month while you’re in school, you’ll keep your loan balance from getting bigger than what you originally borrowed.

2) Make small, even tiny, payments on your principal

Beyond keeping your loan balances in check while you’re in school, you can actually reduce your debt load by paying a little bit more each month, so that you’re not just covering interest charges but also making payments toward your loan principal (the original loan balance).

Loan payments are typically applied first to any interest you owe and then to the principal. Payments that exceed the amount of accumulated interest will be used to reduce your principal balance. By paying down your principal balance while you’re still in school or in your grace period – even if it’s only by $10 or $15 a month -you’ll reduce the size of your college loan debt load by at least a few hundred dollars.

And by reducing your total debt amount, you’re also reducing the size of your monthly loan payment that’s going to be required once you leave school, as well as the amount of time it’s going to take you to repay the remaining loan balance.

3) Don’t ignore your private student loans

If you’re carrying any non-federal private student loans, use this prepayment strategy on those loans as well.

A few private education loan programs already require interest-only payments while you’re in school, but most private loans, like federal loans, allow you to defer making any payments until after graduation. As with federal loans, however, interest will continue to accrue.

Private student loans generally have less flexible repayment terms than federal loans and higher, variable interest rates, so your private loan balances may balloon much more quickly than your federal loans and can quickly spiral into the tens of thousands of dollars. Making interest-only or principal-and-interest payments will help you keep your private loan debt under control.

4) Look for non-loan sources of student aid

As you make your way through your second, third, and fourth years of college, if you find that your monthly student loan interest payments are creeping up beyond what you can comfortably pay, that may be a sign that you’re relying too much on college loans and your debt load is becoming more than you can manage.

Take steps to reduce borrowing by seeking out scholarships and grants, cutting down on living expenses, or finding part-time work.

As a student borrower, you should never lose track of how much you owe in school loans. By maintaining a continual connection to your student loan balances through monthly prepayments, you’ll have a better sense of where you stand financially throughout college and after you graduate.

A sound prepayment strategy will also help you establish good credit and plan for your financial future, knowing that your college loan balances are manageable and your school debt is under control.

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Finding a Student Loan Without a Cosigner

Finding a student loan without a cosigner these days is getting harder and harder. Banking institutions are more picky than ever about the kind of people they are willing to lend money to, and really- who can blame them? This has been a rough few years for the financial industry, and they have to protect themselves now. The problem comes when they start protecting themselves from people like you- students who need money to reach their education and career goals, and who have no real income because of their place in the educational journey.

The process of getting a student loan is made easier if you have a co-signer to help you, but not every student has access to a reliable family member or friend with a credit score high enough to be a cosigner. If a parent has bad credit score can not get college loan. Other students have eligible people available, but do not want to risk embarrassment or awkwardness by admitting a need for help. Other students just don’t have the kind of relationship with plausible cosigners to ask them for that kind of help.

If you are a student in any of these situations, then do not give up hope yet. There are still options out there for students with no cosigner. Finding a student loan without a cosigner is possible. This article will give you a few tips you can follow and a few links you can check out to help you find a student loan without a cosigner.

1. The FAFSA

Chances are this is not the first time you have heard FAFSA mentioned. The FAFSA, or the Free Application For Student Aid can be a really huge resource and help for students like you looking for a student loan without a cosigner. The FAFSA takes a while to fill out, which is why many students want to skip this step, but that would be a mistake. The FAFSA can tell you what grants and scholarships are available to students in your particular situation. It can also open up new student loan opportunities- many of them being college loans that do not need cosigners.

The FAFSA can also give you important information about all the different financial aid options that are available to you like is a student loan an installment on credit, or how many credits do I need to get financial aid?

The other great thing about filling out your FAFSA is not only that it is free, but that there are more than likely people hired at your school to specialize in this document. Many colleges have student aid facilities where people are paid to help students just like you fill out the FAFSA properly and get the financial aid they need to be successful. Find these individuals and take advantage of the wonderful gift your college has made available for you. Filling out the FAFSA is a great step towards finding a student loan without a cosigner.

2. Government Loans

There are a number of government loans available right now. Many students pass over these loan options because they do not give out very much at a time. The truth is, no government funded loan will give you all the money you need for a semester unless you also have some kind of scholarship. However, even if $2,000 from a Perkins loan won’t pay all your bills, it is $2,000 more than you would have had without the Perkins loan, and that is no small drop in the bucket. Plus- they are all offered without cosigners. Here are some of the government loans we think you should look into:

Subsidized Stafford Loan: This is the best government loan out there for students. It is a student loan without a cosigner. It is a student loan without a credit check. It is a student loan without hefty interest payments because it has been subsidized. Apply for a Stafford Loan, and you will almost certainly qualify for a student loan without a cosigner.

Unsubsidized Stafford Loan: This is the same as the previous no cosigner student loan except that the interest is not subsidized, so you will pay out more over the life of the loan than the subsidized loan.

Perkins Loan: These loans are great and easy to apply for, but are not as popular as they have a cap on the amount they can give both per year, and overall. They are a no credit check student loan and a student loan without cosigner- so definitely something to look into.

In the end- all of these loans can get you what you need without a student loan cosigner and student loan no credit checks Canada or US, but all of these loan options can give you more money if you have a co-signer. If you have simply been afraid to ask someone to take a risk on you, then you will want to have them look into these loans as they are much less risky and the interest rates are much lower than the student loans you will find at a bank.

Look For Local Boosters

If you are going to college, then you are most likely living in a college town. Here is a little secret about college towns- they NEED college students! They love you. Local businesses thrive off of you. Local housing owners survive by you. The population of the town you live in might complain heavily about all the noisy college goers- but they need you, and this makes for a lot of local boosters and scholarship opportunities. Look around for local opportunities to get supported through school. The average student with poor credit needs $7,000 loan per semester to get through school. Many need more, depending on the school, area, and situation of the student. A good way to get a head start on that $7,000 is to get help from the local businesses that need your presence to survive.

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How to Reduce or Eliminate Your Mistakes in Interior Design and Decorating

We all reside in houses of one kind or another. When furnished, whether well done or not, they constitute the environment in which we spend the great part of our lives. These environments influence us continually and profoundly.

To the degree that your home is beautiful and comfortable affects us favorably and provides a wonderful haven for recuperation of mind and body. It also facilitates a richer and more satisfying life. To the degree that it is uncomfortable and lacking in beauty, it provides the exact opposite. This can develop into a potentially devastating degree.

As you can see, a properly furnished home is a very significant matter. It affects your life, as well as your attitude and ambitions. Your home should be an environment that is as supportive of your life as possible. Therefore, knowledge of how to furnish a house properly is very meaningful.

Beauty and comfort in a home do not result from chance or happen by accident. They result from the proper application of a reasoned process. Two quotes on the back of my business card illustrate this perfectly. They are the foundations of my business philosophy. Firstly, “Quality is never an accident; it is always the result of intelligent effort.” Secondly, “When love and skill work together, expect a masterpiece.”

Transforming a blank canvas into a picture or carving a block of stone into a beautiful sculpture is comparatively less creative of an endeavor than transforming an empty house into a place of beauty and comfort. The major distinction between the painting or sculpture and a house is that you are looking at the artwork. In the home you are not only looking at the interiors, but you’re also enveloped in them. Therefore, interior design and decoration is also an art of selection and arrangement in a three-dimensional environment. This will require knowledge, appreciation, discrimination, and good judgment. Since interior design is a part of architecture, like a hand in a glove, it differs from painting and sculpture in that it has a very practical aim. Your home must not only look good, but function well. Being supportive of your lifestyle is the end goal.

When you set out to furnish your home, you face a threefold problem.

You must select and arrange items that suit the age, sex, and temperament of the individuals; whether one or many, as well as meet the needs, express the tastes and aspirations, and fit the budget.
You must see to it that the furniture and accessories are selected and arranged to suit the home in terms of scale, proportion, coloring, and style. It may be eclectic, transitional, traditional, or contemporary.
Finally, you must see to it that these things are not only suitable, but also good-looking and aesthetically pleasing. In addition, they must all combine to form a harmonious and beautiful whole.

The treatment of your house and each room within it involves the interplay of three factors, which I differentiate as the personal, the architectural, and the aesthetic. No decorative problem, however simple or complex, can be solved correctly and appropriately unless each of these factors is properly considered and given their due importance in order to achieve ideal results.

Even though the personal factor is of extreme importance, the architectural factor is one of the first things taken into account. The size and other physical characteristics of the rooms will determine what goes into them.

The personal factor is critical from the point that houses are for people, and a house exists to make adequate provision for the satisfaction, needs, and preferences of the individuals that will inhabit it. The prior statement is simple common sense, yet professionals as well as nonprofessionals ignore it frequently. Many look at it as “decorating” without due consideration for personal aspects relative to the real needs and preferences of the occupants.

This is not about fads or the newest craze! You must never forget that if you choose to disregard the personal factor, or make it of subordinate importance, you will pay the price in loss of comfort and beauty. If your main concern is to comply with the newest fad or craze of the hour, you may experience an hour’s satisfaction. But you will most assuredly fail in achieving any dignity and individuality, or the fine flavor of distinction found only in homes whose decoration and design are established on the studied needs and tastes of the occupants.

As far as the aesthetic factor is concerned, making the furnishings fit the house is also of great importance as well as making them fit the people who live there. A properly furnished home meets all the real needs, both practical and aesthetic, of all the occupants, and relates them to the architectural factors as well. This paves the way for a pleasing and harmonious composition that is unique and personal.

Briefly, here is what you need to consider. Imagine three intersecting circles. I’ll name them Circle A, Circle B, and Circle C. Circle A represents the total number of things available, without reference to their suitability, and are intrinsically good-looking, or pleasing in an aesthetic way. Circle B represents the total number of items that would satisfy your personal requirements. Circle C is the total number of elements that would satisfy the architectural requirements. The small area where all three circles intersect is the “sweet spot.” This specifies the total amount of items and elements that are capable of satisfying all the conditions… the personal, the aesthetic, and the architectural. The remaining are the choices that you are limited to, in order to create the most holistic design possible. This will eliminate all the “fluff” and potential errors that could ruin your surroundings.

Dream big and allow yourself potentially wonderful results that greatly enrich your life!

Steven C. Adamko is the owner and founder of Spectrum Interiors, established in 1982.

All of Steve’s designs are personally tailored to the client with the result being an “Orchestrated Ambiance” that is seen, felt, understood, and experienced. He works in a broad range and spectrum of residential and commercial interior design, as well as furniture and lighting design. His services also include Teleseminars, Webinars and Seminars.

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The Use of Color to Express Personality in Your Interior Design and Decorating

Nothing is more personal than color! Nothing expresses your personality with clearer or more unmistakable attraction than color. The primary and secondary colors are six in all, with three colors per category. The primary colors are red, yellow, and blue. The secondary colors, which are combinations of the primary colors, are orange, green, and violet.

Color is a very deep and complex subject from the following the viewpoints: scientifically, emotionally, visually, spiritually, and intellectually. It touches every aspect of our lives with meaning and symbolism. Therefore, it is helpful to understand color and how it impacts your life. Your understanding of color does not have to be at the PhD level. Just a good, solid, basic understanding will do.

First and foremost, color has its source in light, and natural light comes from the sun. Therefore, color is how you light it! Color is perceived based on the source of light that is used to illuminate objects, and the way color is absorbed and reflected back to your eye.

Color can be described in three terms… Hue, Value, and Intensity.

Hue means the name of the color. Value means the relative lightness or darkness of a color. Intensity means how dull or vivid the color is.

Red suggests fire and blood. It is associated with activity, aggression, and passion. It is interesting to know that the aggressive and advancing quality of red makes a room in which it is used seem smaller in appearance.

Yellow looks most like the sun, as it expresses the quality that the sun seems to give out. With light and warmth from the sun, we are cheered as well as made more light-hearted. Yellow in a room will produce similar feelings under normal conditions.

Blue has an opposite effect from red. Its’ reactions are restraint, coolness, repose, and distance. By association, one thinks of a clear blue sky and the cool breezes from the blue waters of the ocean.

Orange is always warm and advancing, as well as cheerful, vibrant, and glowing. To a lesser degree, orange has some of the effects of the colors red and yellow.

Green is the union of yellow and blue, and expresses the qualities of both. Nothing could be more restful, soothing, and agreeable than the cheering and cooling effects of a seat in the shade upon the green grass under luxuriant green trees, in the middle of a hot day. It is easy to see the practical application of this in decorative art and interiors. In a sense, it is almost a neutral, as it is a great backdrop color for any other color, as evidenced in nature.

Violet, or purple, historically has been the color of royalty, as well as a color that represents intelligence and creativity. It has the qualities of red and blue.

Incomplete as the above descriptions are, they’re sufficient to establish the point that personal qualities or individual character traits can definitely be expressed in terms of color, or hue.

Value, the second attribute of color, is the quality of lightness or darkness of a color. It relates to a multi-step gray-scale; from white, through increasingly darker shades of gray, to black. A tint is a value lighter than a color’s normal value. For example, pink is a tint of the color red. A shade is a value darker than a color’s normal value. Maroon is a shade of the color red.

Intensity is the third quality of color. This aspect is the most important of all for a proper understanding of interior design and decoration. This quality determines how brilliant or how forceful a color tone is. Softer and less aggressive tones are called neutral or neutralized colors.

The most valuable question in using color decoratively is that which relates to the distribution and correct placing of neutralized colors in relation to the more intense ones. The biggest errors in the whole realm of color, used in interior decoration, are committed in this area. The following two major principles will clarify this matter for you:

“Backgrounds should be less intense in color than objects that are to appear against them in any decorative way.” What this means is that walls, ceilings, and floors must be less intense in color than hangings, upholstery, pictures, and other decorative aspects.
“The larger the color area the less intense it should be, and the smaller the area the more intense it may be.” According to this principle, hangings and large rugs must normally be less intense in color than toss pillows, lampshades, decorative ceramics, and other accessories. These fundamental ideologies also apply to fashion. For example, for a man, a red necktie is more appealing than a red suit. For a woman, a red flower or ribbon is more decorative on a black stylish hat than a gray ribbon would be on a red hat.

Even the slightest attempt at using color discloses its’ power to express your personality. With a little knowledge and wisdom, you can use it to your best advantage.

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Low Cost Interior Design and Decorating Tips

Thinking of a home or office renovation, but worried about the cost of the interior designing and decorating? Do you think you can’t afford to spend much on the interior designing but wish for an elegant make over for your room? You don’t have to get vexed about not having too much money to spend on your decoration, because you can do a fabulous job of decorating your house without spending much of your pennies, if you do it wise.

Plan your budget
Low or high, you should always have a specific budget plan for your work, rather than saying ‘I want the room’s interior design to be done at a low cost it is better to have an idea of how much you are ready to spend. Coming to the correct value may not be possible but giving an almost accurate estimate will always help. Divide your budget under different task like, $ 100 for new furniture, $ 50 for paint etc rather than quoting the whole amount. But remember your budget plan should be realistic and should be strictly followed for a successful low cost interior designing.

Be the interior designer yourself
Hiring a firm or a specialist to do the makeover might give you a completely remarkable room or office, but remember the more established they are, the more you will end up paying them for the service alone. So it is best to take your imagination into play and come up with how much you are going to spent and what would have to be changed or introduced. You can refer articles in magazines or the internet to get ample ideas on how to do the job at minimum cost.

Shop low and wide
You are planning to decorate the interiors of the room, so it calls for full day fun shopping. Are you aware that most of the goods you buy at the branded Shoppe may be available at an unbelievably slashed price in local shops and auction houses? So take your time to hunt in the second hand shops, bargain market and any shop with a year ending sale or shop renovation sale sign board. You are going to hit on something great at an unbelievable price. But just getting the thing at a low price should not tempt you to buy it; you should buy only those things you came to shop for. Otherwise, the low priced shopping experience will turn to a conflicting one.

Get your things auctioned
If you are renovating the place, you may have to remove a piece of furniture, curtains and a lot of junk you may no longer require. Rather than shifting them to the storeroom, you can get these things sold at a low price to get a tip on your budget; you can either auction it or sell it to a second hand shop. Remember your stuff might not fetch much, but removing these will help you to de clutter the room and at the same time get a small raise on your budget. But if you are doing the interior designing and decorating from start, don’t worry for not having anything to sell; you can have an option of choosing very wisely and designing the room afresh with no time loss.

Reuse your stuff
You can use a lot of things at hand in a novel and creative way to make the interior designing a fun and creative experience. You can make a cushion cover out of your old curtain by stitching together the pieces but while choosing the fabric, see to it that it either gives an arresting effect to the otherwise blunt room or else combine with the mood of it. You can also use an old piece of furniture and polish it to make a centrepiece of the room. Your grandmother’s chest drawer can boast the main attraction in your drawing room if you space it well and take care to project it.

Decorative pieces
Decorative items and wall painting can come in any range and sometimes it may cost you a fortune. But it’s not just costly decorative pieces and antique collections that can make your interior boast a good appearance. You can use a family portrait or a painting your little one did to give a new look to the walls. These paintings and photos don’t just come free, they are worthless and just a good frame will do the job. Similarly you can also use decorative candles and gift pieces in a creative way to change the face of your room.

An extra coat of paint
An extra coat of paint can always give a facelift to a room. Interior designing is never complete without a well painted wall. Choose the same shade of paint as your previous one as getting a new shade will require more coats of the paint and hence it will increase the cost of painting. But you can do a contrasting shade on just one wall if you are bored with the ‘same old paint’ this not just give a new face to the room, it also saves a bit on the paint.

Keep it simple
Be it kitchen, bedroom, office or study; keep the room as simple as possible. Reduce the number of furniture and extra piece of couch to give your room a neat, organised, spacious and new look. Your rooms and office should also have a touch of your personality so work on it.

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How to Find the Right Designer for Your Interior Design and Decorating Projects

Looking for an interior designer or interior decorator can be overwhelming if you are not sure which designer you need for the scope or your project. Are you building, renovating or moving and need professional advice? Are you planning to sell your property and not sure how to get ready for the first inspection?

This document gives you answers to frequently asked questions in regards to interior design, interior decorating, colour consulting and property styling.

It will help you finding the right designer for your interior design and decorating projects and eventually create your individual style in your home.

What is the difference between an interior designer and an interior stylist?

You may have asked yourself this question already when facing a building or renovation project. Do I need an interior designer, an interior decorator, a colour consultant or an interior stylist?

The answer is that it depends on the scope of the project.

An interior designer is a skilled professional who is designing interior environments according to your briefing. The interior designer either modifies what already exists (renovation) or provides an entirely new design for a space (new build). In this case the interior designer works closely with the architect and comes in at an early stage of the project. Interior designers work either along a team in design firm or on their own.

What is the job of an interior stylist? An interior stylist is a designer or consultant in a field subject to changes in style, especially fashion or interior decoration. An interior stylist cultivates or maintains any particular style and in most cases stylist are finders, keepers and collectors of beautiful objects.

The interior stylist can help you finding your own style, creating beautiful interiors that are unique and meaningful. This can be achieved with the simplest things and does not have to be expensive. The only thing you need to do is keep your eyes open to beautiful things in nature, architecture, design, museums, art, exhibitions, books, textiles and travel. There is only one rule: Only collect or buy things that mean something to you!

How does a colour consultation work?

The colour consultation focuses on creating a colour scheme for a specific room or space or the whole house according to your briefing. A qualified colour consultant can help you with interior and exterior colour schemes.

Prior to designing a colour scheme for you the colour consultant should always talk to you about the mood and atmosphere you would like to achieve in your space. He will explain to you the differences between the paint companies and their products and choose the right product for your needs. After designing the colour scheme you will receive a written recommendation including a specification sheet and brushouts ready for your painter to start.

Why is it important to seek advice from a designer when choosing colours?

Colour is the most powerful tool when it comes to non-verbal communication and the design element that makes a space come alive. Colour brings individuality in a space and it is one of the most useful tools to master when finding your own style.

Leatrice Eiseman, Executive Director of the Pantone Color Institute, says in her book Pantone Guide to Communicating with Color: “Among other uses, color stimulates and works synergistically with all of the senses, symbolizes abstract concepts and thoughts, expresses fantasy or wish fulfillment, recalls another time or place and produces an aesthetic or emotional response.”

When choosing a colour for a room or house it is important to think about the mood and atmosphere you would like to achieve. Is it a dark room or flooded with natural light? In which direction is the room facing? How are the proportions? Do you live in a small apartment or a contemporary newly built house with open plan living areas? All this needs to be considered when choosing colours for a space.

If you are overwhelmed by the choice of colours available – yes, there are thousands on the market – how can you start finding your personal colour scheme?

For some people it is a longer journey, for others it comes more naturally. The most important thing is to take some time, open your eyes, walk around your home and absorb the colour combinations you see. Then start gathering all the pieces you love. This can be anything from old porcelain, travel souvenirs, photographs, artwork, clothes, tear sheets from magazines, fabric swatches, stationary, a collection of stones, feathers or glass objects.

And don’t forget nature as inspiration for a colour scheme (interior or exterior). If you live near the ocean, shades of blues and greens can be used to link your interior with its surroundings. Flowers, butterflies, stones, shells, driftwood are fantastic inspirations for colour schemes.

Once you have gathered all your beloved treasures in one spot, play around with the pieces, group them by colours and you will see a colour palette emerge. This “moodboard” is a great starting point for your interior designer, interior stylist or colour consultant to help you creating an individual and personal space, a home that reflects who you are and a place that you love coming home to.

Stylist’s tip: Before you start painting always buy a test pot and paint a large sheet of paper or cardboard (one square metre) with your colour. Tape it to the walls in your room and study it for a couple of days. Look at it in daylight and artificial light. This is very important as colours change depending on the light, the orientation of the room, other colours in the room and spatial elements like furniture and artwork for example.

What is the difference between a colour and a styling consultation?

The colour consultation focuses on creating a colour scheme for a specific room or space or the whole house according to your briefing. A qualified colour consultant can help you with interior and exterior colour schemes.

The styling consultation focuses on creating a certain (Your) style in your home or simply on answering all your questions about colours, style, furniture sourcing and placement, art sourcing and placement, displays of your collections, accessories, proportions in a space, lighting etc.

Again it is vital that the designer listens to what you would like to achieve (briefing) and makes sure that he understood what you want (debriefing). Don’t let the interior designer or interior stylist talk you into something you don’t like!

How do I maximise the output of my styling consultation?

Are you planning to colour, redecorate or renovate, but don’t know where to start? Do you have lots of questions about colour schemes, furniture placement, how to display your collections, books or other beloved things? Are you not sure whether to redecorate with your old furniture and accessories or to renovate and create a new look? Do you need inspirations where to source furniture and accessories, second hand pieces or antiques?

If you prepare your first consultation with your stylist properly, you will get answers to all the questions you have. Here are my tips how to maximise the output from your styling or colour consultation:

• Be clear what you would like the outcome of the consultation to be.

• Decide which room or space you would like to focus on. Is it only one room or the whole house?

• Prepare yourself with tear sheets from interior design magazines like Real Living, Inside Out, Belle or Vogue Living. There are plenty on the market so choose the one that speaks to you most and start collecting pages of everything you like: colour schemes, furniture, accessories, room layouts, rugs, flooring, wallpaper, decorative items and everything that speaks to you. If you do this for a couple of weeks you will clearly see what you like and find your own personal style.

• Keep your eyes open to the beautiful things around you: nature, architecture, design, museums, art, exhibitions, books, textiles and travel.

• Make sure that your stylist is listening and explain what you want to achieve with your styling project, what you would like a room to do for you and what mood you would like to create in your space.

And finally one of the most important things: Don’t let the stylist talk you into something you don’t like! You have to live in the space and you need to feel comfortable and at home! It is all about creating your home with your personal touch.

How do I find my own style?

The answer is as simple as this: explore the world around you and appreciate the beauty that lies within everything you discover!

Keep your eyes open and your mind excited! Discover and appreciate the beauty that surrounds you every day! Find inspiration in nature, buildings, shops, exhibitions, museums, art, events, markets, magazines and of course books.

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Cheap Interior Design and Decoration

Most people spend a lot of money for the interior design. Sometimes even hundreds of thousands of dollars. Can someone make a beautiful interior design and decoration without spending a lot of money? Of course he can. I do not claim that the result will be the same with an interior design made by a professional and getting the most expensive furniture, but you can have a “good” result with just a few money. Some people take loans in order to decorate their house. This is unacceptable for me.

Here are some ideas for cheap decoration and interior.

1) Take a used sofa and get some nice covers. It will look very nice, believe me. Even if the sofa is partially damaged nobody will notice. But you must be careful just to be comfortable, and not to be damaged and have problems when someone is going to sit. I am talking about visual damages that will be covered by the covers.

2) Use many pictures on your wall to fill it instead of getting expensive furniture. A picture can replace a lot of things. It also makes the room look bigger as it does not require any space. In children rooms and bedrooms you can even use cheap posters. Posters also have the plus that you can put on the wall whatever you like, for example your favourite singer or band, your favourite team etc.

For the living room it is not good to use posters. You need normal pictures with frames. But don’t worry there are also cheap pictures, unless you want to buy an original painting. But why should you do that? who will understand if the painting is original or not. Unless you invite in your house art experts. But even in this occasion you can not impress them anyway without spending a lot of money, so concentrate on the appearance and the interior design.

How to choose a picture for your living room and how to place it is an other topic that will need time to mention now. If you want to see more you can visit my website and find completely free interior design and decorating ideas. I don’t try to make money from that, just share my ideas. Maybe you should also have a look there. And remember do not spend money if you don’t have money. You can make wonderful things with just a few hundreds dollars!

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