Did you ever have a piggy bank when you were a kid? Were you the kind of kid who was good about putting money into the bank and saving for something you really wanted like a bike or game or new jeans? Or were you the kind of kid who spent the money in the piggy bank almost as soon as you put it inside?
Some people are just born savers while others of us struggle to delay gratification and save up for the big purchases. With today’s economy, credit and financing might not be as easily come by as they have in the past. If we want to make a major purchase we have to save up for it.
Owning a home means there are always a list of want-to-do’s and have-to-do’s. Wanting a new bathroom or hardwood floors is different than having to replace a broken water heater or leaking washing machine. Saving a little each month or by paycheck is a great way to be able to afford the want list while leaving the emergency fund for the need list.
Bigger purchases like flooring or a kitchen remodel might take months, or every years, to save up for. The less you have to finance or put on credit is always better so even if you can put away a percentage of the project’s budget in savings, you’ll be ahead of the game. Smaller wants like a new sofa for the family room or area rug for the bedroom can be saved up for more quickly.
We’ve all seen the wet floor sign at the mall or at a restaurant, but probably don’t have one in our own homes. Slippery floors in the kitchen or bathroom can be just as dangerous in our own homes as they would be out in public. Choosing the right type of flooring for the kitchen and bathroom and using mats and area rugs can lower the chance of slips from wet floors.
Certain stones like polished marble and granite can be extremely slippery when wet. For a bathroom with polished marble tile floors, a bathmat with an anti-slip grip on the back is a good idea near the tub and also near the sink. Tumbled stone has more of a surface texture and can be a better idea for the bathroom floor. Smaller tiles with more grout lines can also create a more textured surface that will not be as slippery when wet.
Water in the kitchen is not as much of an issue unless there is a spill. Wood floors can be slippery depending on their finish and texture. Laminate floors offer a smooth surface that can be very slippery when wet. Stone, especially slate, has more texture. This isn’t to say don’t have smooth surfaced hardwood or laminate floors in the kitchen. A mat in front of the sink can catch errant drips and spills while rinsing dishes and loading the dishwasher.
If you have a polished stone or laminate floor, make sure to wipe up drips and spills right away so you don’t create a slippery surface for yourself and your family.
A cozy scarf can keep you warm in the cooler months of the year. There are better options than a scarf to keep your home cozy in the winter. Keeping a house cozy is a matter of stopping the cold air and keeping the warm air inside. Doors and windows are the biggest culprits when it comes to drafts and cold air. Seal around your windows and doors, or invest in new doors and windows that can better prevent heat loss.
Cold floors are one of the worst things in a cold house in winter. Putting your feet down on a cold floor right out of bed or the shower can be jarring. Having a cozy area rug or thick bathmat can make a soft and warm place for your feet. Heated floors in the bathroom are even better. Installing heated floors throughout the home can be expensive, but if you live in a climate with cold winters, may well be worth the extra cost.
Along with rugs, curtains can be used to keep rooms feeling cozy. Thick curtains that are lined can keep the warm air in and the cold air out. Close them at night but open them during the day to let the sunlight inside. Come summer’s hot months, reverse this and you’ll keep the sun’s heat outside.
Winter is perfect for knit accessories for both fashion and your home. Cable knit sweaters and cashmere scarves for you, cable knit pillows and cashmere throws for the home.