Cash Advance

1-Mar

5 Tips For Cheap Apartment Renos

5 Tips For Cheap Apartment Renos

When it comes to renovating your apartment, you’ve probably been told that in order for it to look good, you’ll need to hire an expensive professional. However, that’s far from the truth.

If you’re thinking about renovating your place, here’s five of the best tips you need to consider first (and how to save some cash doing it):

1) First, Ask Why

You should always think about the purpose of the renovation, and you’re desired end result. Is it to make your place more attractive to sell or rent? Or is it for your own living enjoyment? This will allow you to determine whether the renovation is a short-term or long-term investment.

If your reno purpose is to rent or sell, it would be wise to spend less on materials, the labour, and furnishings. After all, in this situation, your goal is maximum ROI (return on investment).

However, if the renovations are for your own enjoyment, you can afford to spend more on furnishings, but ultimately keep your expenses down by “shopping around”, as well as handling some of the work yourself.

2) Now Ask Around

Chances are some of your friends, or someone in your own family has renovated their place in the past. Although prices may have changed a bit since then, they may still be in touch with their contractors or have referral information for someone they trusted to complete the job.

Don’t forget to ask your friends and extended network for help too! Most people are willing to lend a helping hand and do some heavy lifting in exchange for a few drinks or a nice dinner.

A combination of hiring contractors and using your friend’s assistance can save you a fortune and get the job done exactly as you had hoped.

3) DIY… IYC (Do It Yourself… If You Can)

For anything other than electrical work, DIY can often be the best option. After all, you know exactly what you’re looking for and can be in control of your time and budget.

When it comes to sanding floors, painting walls, or installing shelves, you may surprise yourself to find just how handy you CAN be with some basic tools.

If there’s something you think you can do, do it and save some vital cash in the process.

4) Be Stylish While Staying Within Budget

One of the biggest expenses when it comes to doing a reno is furnishing your place. The truth is however, you don’t need designer brands to make your home look stylish.

When browsing through magazines and Pinterest for styles ideas, if you see designer made light fittings, lamps, tables, or accessories, know that with a little digging you can almost certainly find the non-designer version in that very style for a fraction of the price.

A good general rule to follow is to keep things simple; don’t overbuy, and don’t over clutter. Keeping your apartment clean, spacious, and simple can go a long way in making your place look fabulous.

5) The 3 x RE Principle

REcycle, REdesign, REuse – the 3 R’s rule will come in handy when decorating your brand new interior.

Don’t feel the need to purchase new items. You can buy recycled and refurbished furniture much cheaper, and often it can give your apartment a really unique look and feel.

The same rule applies to appliances – look at purchasing a gently used version from popular classified sites (Kijiji, anyone?). As always though, be careful purchasing used electronic items and do your research beforehand.

With a little bit of elbow grease, common sense, and friends you’ll get those renovations out of the way on the cheap, with stunning results.

Purchasing used goods can be a smart move, and one that can save you a lot of money, however, compromise only on price and never quality or safety

What’s your relationship with money like? It’s important to understand the way you view money. Call us to talk to us contact

1-Mar

What You Should Know Before Taking A Bank Loan

What You Should Know Before Taking A Bank Loan

Most people agree that an online loan can be a good idea if you’re in need of extra money or if you need to consolidate debts.

Today, the majority of people have a loan or some form of credit with a financial institution, and a bank loan is one of the quickest and most easily accessible ways to secure funds.

If you’re currently exploring your personal loan options and wish to avoid problems caused by high interest rates or the problems inherited if you’re unable to meet the legal obligations of a loan, there are several things you should keep in mind.

Make Your Calculations Carefully

Most loan calculations are made by financial institutions, however, when exploring loan options you should always do your own calculations in addition to any expert advice you may receive.

Although banks accept gearing up to 60% of revenue, it’s always best to look for a bank loan with a lower percentage that allows you to make repayments comfortably and still enjoy your life.

Keep Your Eye On The Contract

Always read the fine print. The details in your contract are very important. Before you sign your loan contract, make sure you’ve read it carefully. Twice.

Each clause and each point can make a difference between a loan that is easy to manage or one that is complicated and may later cause problems.

The Loan Period Is Very Important

When exploring bank loan options, the loan period is one crucial element. For a mortgage, the loan period may be up to 30 years, while for a personal loan, the loan period may be just five years.

It’s always better to secure a loan for a shorter period, however, the loan period should be long enough that it’s comfortable for you to make repayments and pay off the entire amount.

Explore Your Options

 

Last but not least, read as much information as you can. Ask friends about their loan experiences. Carefully shop around and explore offers from different banks so you can make the best choice.

There are plenty of banks that offer great deals, but there are many bad offers out there which can cause a headache down the track. Be informed.

A New Alternative

More and more people are looking to take the stress out of borrowing by applying for an online loan. The majority of online lenders offer a quick and easy way to apply from the comfort of your home, any time. Many lenders also have very competitive rates and terms that rival some of the biggest traditional financial institutions. If you’re looking for a fast online loan, an Entourage Loans can be a great way to start.

Our application process is fast, easy, and free. In just 10 minutes, you’ll have a decision from our automated system with amounts between 50,000 to 5,000,000. Borrow for up to 2 years, making each payment affordable and easy to manage.

So, how can we help fund your passion?


I recommend you to reach out to find out how to never stress about money again. 

1-May

Top 10 Questions To Ask Lenders

Lily Hunter
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1-May

Financial Groups and Standards

how i see things from Romain Vincent on Vimeo.

Los Angeles from Ian Wood on Vimeo.

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