Decorate Your Home In Style, While On A Budget!

Renovating your home can be very expensive, particularly if there are structural issues at play. Sometimes, these renovations need to be set back by weeks, months or years to ensure you have the finances to cover the cost. But when you are in the headspace of renovating, all you really want to do is get stuck in!

So, what to do if you can’t perform those much needed landscaping duties? Taking out walls and adding a new bedroom, bathroom, or entire floor? Why not focus on the surface? Renovating your interior decor is easy, and it doesn’t have to be expensive! It’s always nice to make a change, and decorating your home is the easiest way to do that. Below you will find a great list of ways to begin your home makeover on a budget!

If you are trying to save money and spend less, doing up a room might seem low on your list of priorities. But there’s good news. You can do it anyway. You can makeover a room for a song these days, if you are super clever about it. Read on to find out how.

Love Paint

Paint isn’t too expensive, so it’s a good place to start on your budget makeover. Of course, doing something as simple as changing the colour of the walls can make a huge difference to the look and feel of any room.

To get a light and airy room, go for light and white paint tones. Or to create a cosy paradise go for warmer earthy shades. At the moment gunmetal grey is bang on trend too, and don’t be afraid of making a feature out of it by painting furniture and fireplaces in the same colour, for an ultra modern effect.

Work with light

However, if it’s too much hassle or money to repaint the entire room, then you may want to consider painting with light instead. This is when you use the natural and artificial light that you have in a room to create a different mood.

For example, it is surprising, the effect, removing a pair of heavy curtains can have. Especially if you install a blind like the ones available from Carpet Court instead. This can make a smaller room look bigger, and opens up the wall space to allow more light in.

Consider smart lights to create certain scenes in your room. You can change the look and feel of a room with the touch of a button. All this – without the hassle and cost of any redecorating!

Change the soft furnishings

Another excellent tip for redecorating on a budget is to change the soft furnishings in a room. This can have a huge effect on the way the room looks, without having to replace anything of too-high value.

Keep your carpets, sofa, as well as your furniture. Just get new cushions, bedspreads, and pillows.

Pick a colour or pattern that goes well with the original colour scheme. But try and make it different enough so that it feels changed from how you had the room before.

Bold geometric patterns are the best way of doing this, because they make such an impact. Everyone will notice a big improvement.

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Clean It

Finally, if your home is crying out for a makeover, but you just don’t have the budget for it, try deep cleaning rooms instead. While this isn’t as much fun as going to the store and picking out new cushions and throws, you’ll enjoy this cleanse.

This makes an amazing difference to how a room looks. Pull out all the furniture and clean underneath. Pack away all clutter and get a nice air freshener too. You may be surprised at how much you actually do like this room when it’s clean. So maybe you don’t need that makeover as urgently as you thought.

Decorating is not only fun, but can be a great way to breathe life into your living space to create a sense of positive change. Remember that furnishing a new or existing place can be done on a budget. But, if you do need a quick loan, get in touch with Cigno who might be able to offer a solution.

Receive up to $1,000 in your account with our same day loans or Crisis Cash Loans with manageable repayment options. All you need to do to apply is complete our quick and easy online application and then send us your bank statement. For details, contact us.

Read the original source article here.

Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.

NOTIFICATION OF MISCONDUCT BY CIGNO AUSTRALIA

Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat