Tag: New Year
It is the time of year when we begin to experience cool air, changing leaf colors, increased visits by our family and friends, and for most, attention paid to affordable indoor holiday decorating ideas. Its time spent in the attic, garage and that closet that gets the least attention the rest of year by those who are looking for ways to decorate for the holidays without breaking the bank. Fortunately, affordable indoor holiday decorating ideas are a great way to celebrate the holidays and still have money left for the New Year.
Start at the Front Door
Stepping into a home with a table in the foyer area covered by a nutcracker runner, or floral Christmas basket will immediately set the mood for the festive occasion. Red bows hung in the foyer or a hallway decorated by lighted string Christmas card holder can be a warm greeting for a visitor. A snowman rug or welcome mat inside the front door will convey a greeting, saying “We are glad you are here to join us in celebrating the season.” Dont ignore the opportunity to make the first impression a statement of celebration and welcome. Indoor decorating the entrance into the home can be very affordable.
Decorate the Common Areas
The lighted Christmas tree need not be the only effective decoration. Throw pillows decorated with the seasons theme for the sofa or chairs are an inexpensive and yet expressive way to celebrate the season. Lighted cordless wreaths and garland are becoming more and more affordable and are great ways to decorate a mantle or the top of a door frame. Lighted cordless corner swags will welcome the visitor as they pass through a doorway from one room into another. Ceramic snowmen on the end tables or colorful Santa doorstops can be used as affordable but effective ways to decorate.
Include the Food
Decorating ideas should include those areas were food is being served. Most families will entertain by having others into their home for dinner or snacks. A holiday centerpiece is an inexpensive way to dress up one of the most central areas of holiday gatherings. Candles are always an affordable way to decorate a table. A hurricane lamp globe with a candle inside and surrounded by garland is an inexpensive festive and seasonal centerpiece. A Santas sleigh votive candle set will please children and adults alike. While children are often focused on the lighted Christmas tree, adults are most often focused on the food. A suede holly and poinsettia decorated table runner will add festive color to the serving table. Nutcracker place mats and napkins can be an affordable way to decorate. Holiday chair covers complete the holiday dining experience.
Deck the Halls and Walls and Nooks and Corners
Wall decorations are festive and need not be expensive. Christmas holiday paintings and photos are eye catching and pleasing and add to the atmosphere of celebration. Fireplace screens and magnets, music boxes, Christmas plates and wire holders, plush animals sitting around on tables and chairs, hanging Advent calendars and Santa cookie jars are all affordable and expressive ways to celebrate.
Indoor holiday decorating ideas do not have to be expensive and complicated. After all, the season is to be enjoyed, and should not be a season of stress brought on by excessive spending for decorations. A persons expression of joy and celebration that results from this holiday season can be displayed by doing thoughtful decorating with little expense.
During the holiday season many families will turn to credit cards to finance Christmas expenses. This makes it less stressful to make ends meet, especially during the holidays. Sometimes we don’t even realize how much damage is done until the credit card bills start to arrive in January.
Credit cards are very convenient but have their pitfalls. Credit cards bear very high interest rates, often more than 20% interest and in the case of department store cards up to 30%. Interest is calculated monthly so if you get caught up in a pattern of only making minimum monthly payments, they can take years to pay off. Credit cards that have balances more than 75% of their limits will damage your credit rating/credit score.
The last thing you want to do is go into the next holiday season with credit cards that have balances from the spending you did the past holiday season. The best thing to do if you have accumulated balances on credit cards from holiday spending is to consolidate maxed out credit cards using your home.
There are many reasons why it is a great idea to consolidate maxed out credit cards using your home. Here are just a few:
1.Using your home to consolidate maxed out credit cards will enable you to start the New Year on a fresh foot and with a single monthly payment.
2.Using your home to consolidate maxed out credit cards will increase cash flow because a home equity loan or line of credit will bear a much lesser payment than what you are paying to your credit cards on a monthly basis.
3.Using your home to consolidate maxed out credit cards will reduce the overall interest that you are paying to loans and credit cards. Home equity loan and home equity line of credit interest rates are much less than what you are paying to your individual credit cards.
4.Using your home to consolidate debt will improve your credit because all of your credit card balances will be reduced to zero and the less debt reporting to your credit report, the higher your credit score will be. Also, as we mentioned when credit card balances exceed 75% of your limits, it reduces your credit score and will trigger a message to appear on your credit report that indicates that your credit card balances are too high in proportion to your credit limits.
It is important that if you consolidate your maxed out credit cards using your home equity that you don’t continue to use your credit cards. Put them away and only use a single card and make sure to use the card in denominations that you can afford to pay off in full each month. This will ensure that you don’t find yourself in the future with a new payment on a consolidation loan and paying credit card balances.
Start your New Year off with your finances in order and without the stress of having to pay a windfall of credit bills.