Doing home improvements, decorations or renovations when you have limited funds can be challenging.
As a mum with poor credit, you might not be able to access the best financing options to help you realise your dream home, but there are still ways to get what you want from your house.
Even with poor credit, there are options available that can help you make the perfect home environment.
It is also important to note that there are plenty of smaller changes you can make to your home that won’t break the bank.
You’ll need to understand how much money you have to work with and consider steps to improve your credit score.
Going from poor to good credit can take time, but there are plenty of changes you can make while you work at it.
Cut Out The Clutter
Clutter is a serious cause of stress for many households. When you have kids, it can often feel like clutter accumulates all on its own, and there aren’t enough hours in the day to tackle it.
Having a clutter-free home can have a significant impact on everyone’s moods, and it’s completely free, making it an ideal starting point.
You could begin by decluttering one room each day. Ensure the kids understand that they’re to put things away when they’ve used them and make sure there is a home for everything in the house.
You could also consider throwing out or donating anything that hasn’t been used in a while.
Breaking the decluttering down into manageable chunks can be invaluable to help you keep on top of things.
Bring In Some Greenery
Plants and flowers can make a massive change to how your home looks and feels.
If you aren’t ready for too much commitment as a plant mum, you could also look for realistic artificial greenery.
You could also get some low-maintenance plants like cacti or succulents that won’t require much upkeep.
Consider putting a plant in each room and gradually building up your houseplant collection.
Display Your Kids’ Artwork
A great way to make your kids feel a sense of achievement is to display their artwork.
This can also provide an excellent, low-cost way to decorate your home.
All you’ll need is a few frames in the right sizes, and your kids’ artwork will be adorning the walls in no time.
You could even make it into a family bonding exercise, where you all create some art to hang up around the house.
Use Electric Candles
Candles can make a big difference to the ambience of a home, but with kids in the house, it might not be the best idea to have open flames around.
Battery operated candles can make the perfect alternative, accurately simulating the gentle flicker of a real candle.
You could invest in a few candles to place around the home, to turn on in the evening when you gather as a family.
Become A Homeowner
One of the best ways to ensure you can make all the changes you want to your home is to be the owner of it.
Landlords don’t always allow tenants to make changes such as repainting, let alone bigger modifications like extensions.
Owning your home gives you complete control over how you want it to look.
If you have bad credit, you might think that being a homeowner is a goal that is out of reach.
Fortunately, there are specialist mortgages for bad credit history that can help you achieve your dreams of owning your home.
Use expert specialist brokers like MoneyNest to help you find the right mortgage and get onto the property ladder.
Make Your Own Home Fragrance
Scent can make a big difference in how you enjoy your home. Creating a signature home scent can be a great way to make stepping into your home a welcoming experience.
You could consider scents like lavender and chamomile, which are known for their relaxing qualities.
For an energising option in the morning, consider a citrus or coffee scent. You can spread the fragrance using a room spray or reed diffuser.
Use The Right Lighting
Lighting is another element of the home that can make a massive difference to the feel of the space.
You’ll need a mix of lighting to have the right options for different uses. For instance, having soft lamplight in the living room can be ideal for relaxing evenings with family.
You will also need brighter overhead lighting for when you’re cleaning, or the kids are playing.
Dimmer lights can be an ideal option to help you set the right lighting tone for any occasion.
Invest In Rugs For Hardwood Floors
If you have hard flooring in a living area like a bedroom or living room, getting an area rug can instantly make the space feel warmer and more inviting.
It is also significantly more cost-effective than fitting carpeting. Look for rugs that will stand up well over time and consider options in darker shades that will be more forgiving of the spills that are common in a household with kids.
Get Plenty Of Throw Blankets And Pillows
Layering up the texture in a room using throw blankets and pillows can be an excellent choice.
They can also brighten up and breathe new life into older furnishings like sofas and armchairs.
Look for a range of blankets and pillows in colours that complement your home colour scheme.
Consider different fabrics to create extra texture and a cosy, inviting space.
Create The Illusion Of Space With Mirrors
If your home is a bit on the smaller side, you can easily create the illusion of space using mirrors.
They can also be an excellent option for adding more natural light to a space.
Consider getting full-length mirrors for bedrooms and hanging a mirror over the fireplace in the living room. Try out different locations and angles to get the best results.
Make A Dedicated Play Area For The Kids
Kids love having a place that is all their own to go and play in. Making a dedicated play area for the kids is simple and can be done on any budget.
You could set up the play area in a spare room, a section of the garden or a particular area of the house.
If you set up their play area in a room with other functions, like the living room, ensure that you set up boundaries that show where the play area should be.
You could look for a rug that is big enough to encompass the play area. Consider a rug with characters from your kids’ favourite TV shows or films.
You can also include some storage for the kids to leave their toys in when they’re not playing.
Finish off with some transferable wall murals or decals, and you’ll have a small play area the kids will love.
Invest In Quality Furniture
One of the best ways to ensure that you get the most out of your home is to invest in quality furniture in the first place.
This can be a challenge when you have poor credit, as the case is often the better quality of the furniture, the higher the price tag.
You could consider saving up for quality replacements for your furniture or look for cheap options in second hand or charity shops.