Spice Up Your Home This Fall with These Money-Saving Redecorating Tips

We get it – giving your home a complete “makeover” can seem like an expensive task, which often puts it on the backburner in place of seemingly more important items on the to-do list. However, we often fail to consider the impact of our surroundings on our day-to-day lives and mental and emotional well-being. Janet Sloan of Home Decor Wise says that a home decorated to resonate with your personality and identity can have profound psychological benefits, such as reducing stress and anxiety, promoting emotional well-being, and enhancing productivity. Thanks to DIY (“Do-It-Yourself”) enthusiasts who share their creative ideas on Pinterest, TikTok, and the like, there are plenty of sources of inspiration when it comes to redecorating – and for finding cheap alternatives, too. Whether it’s finding an affordable alternative to an otherwise expensive piece of décor, or getting your hands dirty and “DIY-ing it,” there are plenty of ways to redecorate without breaking the bank, especially if you’re redecorating every time the seasons change. Give these money-saving redecorating tips a whirl when giving your home a “refresh” this fall.

1. One Person’s “Trash” is Another Person’s Treasure: Estate sales, flea markets, and garage sales can all be a great place to start when you are in search of inspiration for your next redecoration or DIY project. Someone could be tossing a piece of furniture or a fixture that no longer serves a purpose in their home, only for you to discover that you can recycle and repurpose it into something you’ll love seeing in your home every day. When you’re roaming around, keep an open mind — you never know just how many creative spins you can put on an item you see!

2. Mount Wooden Crates: Wooden crates can easily be turned into wall-mounted shelves or displays! You can find wooden crates with a certain finish, such as those with a rustic feel, or unfinished if you’d like to paint or stain them yourself. Try using them as a makeshift bookshelf or display for your pumpkins and gourds. You can even lay some fall garland across the tops of the wooden crates to give them more of a festive fall feel!

3. New Uses for an Old Dresser: Among the many things you can find at a local sale will likely be a dresser that someone is letting go of. Dressers are a common piece of furniture that can be repurposed into supply storage. Simply swap out the drawers for fabric bins, sand and repaint the outside as needed or desired, and now you have a wealth of newly discovered storage space! If you’d rather leave the compartments open, you can display your items on the wood as opposed to putting fabric bins within.

4. Repurpose Your Pumpkin: A pumpkin is a common fall gift that keeps on giving! If you have one pumpkin too many and you’re looking to repurpose it, try hallowing it out and making a pumpkin planter or pumpkin vase. To make a pumpkin planter, simply drill or carve a hole at the bottom for drainage, fill it with soil, and plant the fall flowers of your choice. If you are going the pumpkin vase route, you can fill the hallowed-out pumpkin with fake flowers or hide a vase bearing water and real flowers. Now you have a beautiful table arrangement, and can use the insides of the pumpkin for a pumpkin dessert or bake the seeds in the oven for a snack, too.

To take your pumpkin planter to the next level, make it a hanging planter! We recommend swapping out the real pumpkin for a lightweight craft pumpkin such as this one, because they are typically too heavy to hang. Here’s some instructions on turning your faux pumpkin into a hanging planter.

5. Potpourri Can Double as a Simmer Pot: You might commonly hear people reference “pumpkin spice” during this season, and it’s not just because of the lattes! Aside from the countless decorative items fall is associated with, fall is also commonly associated with scents, such as pumpkin spice, apples, and cinnamon. Potpourri opens the door to an abundance of creativity, as there is no right or wrong way to combine natural plant materials to make a fall scent. A simple way to make a fall-inspired potpourri is by combining dried apples, cinnamon sticks, and fall leaves in a decorative bowl, and applying the same essential oils to magnify the scents. After you are done displaying this potpourri as décor, use it as a simmer pot to give your home that warm, cozy fall feel.

6. Reuse Old Throw Pillows: Whether you find throw pillows at a sale, or have a few laying around the house, reusing old throw pillows can be an inexpensive way to transform a room. There’s a couple of ways to repurpose old throw pillows that don’t require expertise in art – like trying out embroidery or fabric paint. Embroidery involves decorating fabric and other materials using a needle to stitch thread or yarn. You can order fall embroidery patterns and kits online, or find a tutorial online if you have the materials you need. If breaking out the needle and thread isn’t quite up your alley, you can use fabric paint to paint a design right onto the throw pillows. You can trace a design you find online, or use free-hand.

7. A Ladder is Not Just a Ladder: One of our favorite creative, and surprisingly functional spins on a common household item – is turning a ladder into a shelf or storage. Some of these functional spins include turning your ladder into a bookshelf, shelving space, or a clothing rack. DIY Enthusiasts details a few of these creative ways to reuse an old ladder at home, many of which include materials you likely already have. Give it a read and try to envision how one of these ladder shelf ideas can change the feel of a room in your home.

Not only are these inexpensive alternatives to traditional interior design, but they will leave you with a fun project and a great story to tell guests if you are hosting in your home this autumn.

We know that some redecorating ideas require more than just traipsing around a local garage sale until you stumble upon a piece of furniture or a fixture that inspires you. First Financial’s Home Improvement Loan is a great option for those looking to chase some of those bigger home improvement dreams, such as redesigning your kitchen. Our Home Improvement Loan features great rates, flexible terms up to 10 years, a fixed monthly payment, and more.* If you’re ready to get started, you can apply online 24/7. If you have any questions or inquiries, don’t hesitate to stop by your local branch or call our Loan Department at 732.312.1500 Option 4.

*Available on primary residence only. A First Financial membership is required to obtain a Home Improvement Loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. See credit union for details. Rate will vary based off of applicant’s credit rating. Not all applicants who apply will be approved, subject to underwriting guidelines and credit approval. Visit firstffcu.com for additional information.

Ways to Save on Home Improvements this Fall

If you own a home, you know renovations and improvements will eventually be on the horizon. Whether it’s remodeling your home with newer appliances or prioritizing bigger fixes ahead of the colder months, all those repairs will add up – especially if you’re hiring a professional. Some home improvements are necessary for function and some help build equity down the line. No matter what’s on your to-do list, you can look to these tips for managing a home project on a budget.

Focus on building home equity

Don’t just think about saving money in the short term, consider projects that will increase your home’s value and help you avoid unexpected expenses later on. According to Remodeling Magazine’s 2022 Cost vs.Value Report, home improvement projects like garage door replacements, stone veneers, window and siding replacements, and minor kitchen remodels will get you the fastest return on your investment. In New Jersey, there may also be tax benefits and incentives which certain home improvements could qualify for. Of course, there are upgrades you can make throughout your home to save money on utility bills as well.

Don’t put repairs off

We’ve all done it. Putting off an annoying repair is too easy to do – until the issue becomes a major (and expensive) problem. Even more importantly, ignoring repairs can eventually become a safety hazard. Home repairs that involve water, electricity, pests, peeling paint, cracks, and HVAC could end up costing a lot more than if you just took care of the problem initially.

Prioritize routine maintenance

Doing routine maintenance on your home is another way to save on big expenses in the long run. Preventative measures ahead of the cooler months is necessary for the safety and longevity of your home. Ahead of winter, we recommend removing leaves from your gutters, getting your chimney cleaned, installing monitoring devices on your water pipes, and clearing your dryer vents. This helps prevent damages and even house fires.

Look for home improvement loans

There are many strategies when it comes to funding your home project, like building a savings account over time. Sometimes though, there’s an emergency or unexpected expense that you might not have the savings for. That’s when a home improvement loan becomes a good option. At First Financial, we offer home improvement loans with great rates and a fixed monthly payment.*

Regardless of what your goals are or what projects you need to accomplish, the team at First Financial is here to help with financial advice, savings account options, and loan decisions. Contact us to get started, or stop into your local branch to speak with a representative today.

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*Available on primary residence only. A First Financial membership is required to obtain a Home Improvement Loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth of Ocean Counties. See credit union for details. Rate will vary based off of applicant’s credit rating. Not all applicants who apply will be approved, subject to underwriting guidelines and credit approval. Lien position and appraisal valuation may affect the maximum loan amount. Not all applicants will qualify for maximum Loan to Value (LTV) ratio. It will be based off of creditworthiness, property type, occupancy, lien position, and loan amount. Rates will be affected by LTV or combined LTV if there is another lien on the property. Loan amounts over $7,500.00 will be required to give First Financial FCU a security interest in their property. Rates will vary based off of lien position and whether the loan is mortgage secured or unsecured. For mortgage secured Home Improvement loans First Financial FCU (FFFCU) will waive closing costs at inception of loan. If loan is terminated within the first 2 years of opening, closing cost waiver is revoked and are required to be paid back by member to FFFCU.