Simple Tips To Help You Live Debt Free

It’s everyone’s desire to live wealthy especially in a society where almost everything you make out of life is determined by how rich you are. If you are financially smart and adopt the right habits with your spending, you can earn enough to be wealthy. However, there is something that could ruin everything you’ve worked for in a snap – debt (Please, note that we are referring to debts incurred on personal expenses and NOT smart leveraged debts used for investments).

Owing not only causes financial failure, it also leads to adverse psychological behavior like depression, shame, frustration, and in extreme cases, even suicidal tendencies. There are, however, ways you could develop habits that could help you live a debt-free life (tabelle di confronto).

Here are some tips to help you…

1. Pay your bills on time: You will always have bills to settle and you know that. No amount of wealth you get can take that away. When the bills come, pay them off at once and don’t procrastinate. Creating a personal budget (and sticking to it) will help. Ensure that you know what your fixed expenses add up to and, consequently, deduct them from your income promptly.

2. Don’t spend when you’re running short: There will always be that temptation to get yourself a little something even when you know you don’t have the means. Sometimes, you try to justify it by saying that you have “earned” it. Other times it seems like such a small, inconsequential expense. However, these things can add up over time to huge sums, sometimes even more than a thousand dollars. Avoid this.

3. Cover the basics: Food, rent, utilities, and health bills – these are important needs you have to cover. Go for cheap but healthy meals so you can avoid treating illnesses. Get your supplements, medication, and pay your utility bills too. But, in all these, learn to separate your wants from your needs. A home is important, a bigger house isn’t always important.

4. Keep yourself entertained: You don’t have to spend a fortune going to see movies, going shopping, going for a dinner, or such things you can’t afford at the moment to keep yourself entertained. Learn to be happy in your own company and spend more time doing fun stuff with people you love in your own home. Get creative!

5. Learn to DIY and cook: There are lots of videos on Youtube on how you can make different stuff on your own with materials in your home. Learning this can help you curb your need to purchase certain items which you’d be able to make yourself. Plus, cooking your own meals ultimately ends up being cheaper and healthier for you. Avoid processed foods like a plague and don’t forget your leftovers too.

6. Never buy on credit: If you desperately need anything, why not save for it? Discipline yourself never to get something that you can’t afford at the moment (with the intention to pay back later). When “later” eventually comes, paying back is always hard and we know there are witnesses reading this shouting “preach!” because it is true. With the exception of a home or a vehicle, you should never buy things on credit. Cancel your credit cards if that’s what it will take (panca inversione migliore).

So, these are our few tips for living a debt-free life. Adding this to a deliberate attempt to educate yourself financially will help you build a financially stable lifestyle like you have dreamed.

Simple Tips To Help You Live Debt Free

How to Paint the Furniture?


Painting can give a second life to your old furniture. Almost any piece of hard wooden furniture can be renovated this way, but unfortunately the outcome may not look the same as you imagined if doing this task incorrectly. There are some things you should know before painting your old furniture to make sure it will look better not worse than it was before.

First you need to sand the furniture. Many paint instructions says that there is no need to sand the surface before painting, but actually there always is a need to do it. There is no paint that can give smooth result without sanding. Sand all the surfaces of the furniture with 150 grit sandpaper if you have furniture without varnish or 80 grit if you are sanding a furnishing with an existing varnish. Be gentle to make sure you are not scratching the surface too much and changing the actual shape of it.

Remove all the residue. Wipe the surface with soft cloth to remove any residue and dust. Make sure there is nothing on the surface that might damage the paint. If the residue is very small and the cloth can’t collect them, you might also use a blow dryer. Only be careful to not mess your room with there residue and dust.

Then ground the surface of the furniture. Many people skip this step when painting the furniture, but that is very important. Use a foam roller for this task. If there are any hard-to-reach areas, you can also use a brush to ground them. When all the surface has been grounded, let it dry according to instructions. After that you might want to sand the surface again with 220 grit sanding to make sure there are no undulations. After sanding clean the surface with cloth again.

Paint the furniture. When all the preparation works have been done, it’s finally time for painting. Use latex paint in any color and small foam roller for painting. Again, if there are hard-to-reach areas, you can use small brush as well, but be very careful to mot paint in too thick layer. Do the painting in many layers. Paint the first layer and wait until it drys. Then check if there are no undulations. If there are sand it before painting the next layer. Do the same after the second layer as well. Finally put on the last, third layer of paint and wait until it drys.

And finally apply some gloss for protection. The better choice for the furniture would be polycrylic water based protecting gloss. It will protect the paint against many negative factors and also will give more perfect look. Apply it in one or two layers with small foam roller and make sure you do it very carefully. This is the last cover and there will be no chance to sand it if something goes wrong. If you will carefully follow the instructions your old furniture will look greater than ever before.

How to Paint the Furniture?

How to build your own furniture?


Nowadays furniture stores are full of all kind of items. You can find many types, variants and designs for any kind of furniture, but they are not unique. Everyone can go into the same store and get the same furniture as you do. Even designer furniture is made in many exemplars, so the only way how to get truly unique furniture that no one else will ever have is by making it yourself. It might seem like a very complicated task, but actually it is quite simple if you follow the instructions step by step.

Start with a training. First you should try to make something small, to find out what it really means to make a furniture. You doesn’t even have to make an actual piece of furniture, but at least tray sawing boards, hitting nails, screwing screws etc. If you want your furniture to look not only original, but also qualitative and perfect, you must know how to do all these tasks correctly. If you really want to make furniture that you will actually use, dedicate some time for training and start making furniture only when you have some skills.

When you have mastered basics, you can start thinking of design. Be creative, but don’t push yourself too much at the beginning. Don’t choose too complicated piece of furniture. Start with a shelf, a coffee table or a stool. After that make a sketch from all dimensions. Drew your piece of furniture from the front, from the side and from the top to know exactly how it will look, what materials you will need and what you will have to do to make it.

Then think of the joints and fasteners you might use. Usually there are different variants. You can use glue, nails, different screws etc. If you are familiar with different mounts, you can make the decide by your own, but if not, search for this information in the internet. You will be able to find many videos with mounting furniture and you can learn from that. Also you can just ask for advice from any carpenter or builder.

When you know how your furniture will look and what materials you need, you must shop them. Go to closer furniture component store and find what you need. There will be boards, poles, wooden blocks and everything else you might need. When shopping for furniture components, make sure you are choosing the according to the sizes you need. If you cant find exact size, you will have to saw it yourself and then the furniture won’t look so aesthetic. Also by the mounts you need.

Then you only have to put everything together. Use your sketches and remember everything you learned about joints and fasteners. If you have some questions or quandary, again you can google your question and there is a pretty big chance you will find the answer on the internet. Do everything very slowly. Measure everything twice before doing something and make sure you haven’t forget anything. Only then you will be able to make useful furniture.

The first items of furniture might not be so great, but you will improve within time. It is a thing that can be learned very easily by doing. Practice as much as you can and soon you will be able to make your own design furniture that no one else can have.

How to build your own furniture?

Furniture Arrangement Tips for Small Rooms


The correct placement of furniture is very important for any room. It determinate how the room will look and how functional it will be. It is not an easy task to arrange the furniture, especially in a small room, but it is not impossible. Here are some tips for arranging the furniture at small space that everyone should know.

The first thing in arranging the space always must be determining its size, so you would be able to know what size of furniture you can choose. Use a tape measure to find out whats the size of your room. Don’t forget to measure all the niches and other things that might change the dimensions. Also make sure the hallways, stairs and door widths are wide enough for the furniture you are planning to buy.

When you know the sizes and proportions of your room you must plan approximate arrangement. Just figure out where to put most important and bigest furniture. Base the plan on functional aspects not visual. The objective of this plan is just to have some guidelines so you wouldn’t buy furniture that is too big and doesn’t fit in the room. Just draw a sketch with real proportions. If you have many variants sketch them all so you would have many options to choose from.

For small rooms always use fragmented furniture. Then the task will be a lot easier. If you will choose big items, you will be able to put only one or two of them in the whole room and there will be a lot of free space that you won’t be able to use. Choose many small items, because they are compact. For example, doesn’t buy a sofa, but two or three armchairs so you can combine the arrangement.

Make sure you are using all the vertical space not only horizontal. Most of the people choose to put all the furniture one the ground and then all the lower part of the room if full, but the upper part is empty. For example, use wall mountable shelves, light fixtures, cupboards etc. Also you can use brackets to mount some of the electronic devices on the wall such as TV.

Use foldable and retractable furniture. That will allow you to have a lot of free space most of the time, but it will also be possible to make everything functional when needed. Foe example you can get foldable chairs and tables for the living room so you can feel free everyday, but have some space for sitting and doing other things when visitors come over. Also you can use retractable bed or sofa, so you can have some space in the bedroom.

And use mirrors to make the room visually bigger. That won’t affect functionality, but the room will seem a lot bigger. It won’t look so stuffed and you and your guests will feel more free and comfortable. Also transparent furniture can create similar effect. You can choose glass coffee table and glass shelves to create this visual effect.

Furniture Arrangement Tips for Small Rooms

Tips on Buying Used Furniture

Furniture is something we cannot live without, because even houses with the most minimalist style interiors has a few key furniture pieces. However, new furniture can get expensive, especially if you want to buy furniture made for heavy duty, durable materials, not ones made with cheap plywood. An option how you can still have these great quality pieces, yet not break the bank is to buy your furniture used. But unfortunately this poses a whole other set of concerns about the state, quality, wear and tear and the look of the furniture. So here are some tips on buying used furniture, that will always be of the best quality and will last you a long time.

See, sniff and feel

buying used furniture

The first and maybe one of the most important tip in successfully buying used furniture is to trust your senses when you are looking at a furniture piece you like. Not only look at it with your eyes, but also check the draws if you are looking at a desk of a chest and the bottom and inside of any bed, chair and other similar items. This will not only prevent you from buying broken furniture, but also will prevent you from buying furniture with bed bugs or cockroaches in them, which can be hard to kill once they have found a place they like. The second sense you need to use is touch, because you should always feel any furniture you are going to buy, old or new. Also try it out, and this especially goes for chairs and sofas, since if it is uncomfortable in the store, it won’t become any more comfy when you bring it home and you will have spent money for a furniture piece that you will never actually use. And the last sense you need to really rely on when buying used or second-hand furniture is smell. The reason behind this is that smells and odors are very hard to get out of furniture, especially soft furniture like sofas. If stains can usually be removed with different solutions or by refurnishing your piece, smell can be still there even after these processes if it has really soaked up into the furniture piece. So if the sofa, chair or other furniture smells funny, they I would suggest you to really thing long and hard about buying it.

Don’t be afraid of getting hands on with your furniture

used furniture

The second thing you have to remember when you are buying used furniture is that it is in fact used, so there probably will be some scratches on desks or shelves and some wear and tear signs on soft furniture. But that being said, these small defects also have easy fixes, so even if you find a second-hand furniture piece with some imperfection, don’t let that stop you from buying the piece, because usually you can easily fix it yourself or with the help of an expert. Scratches can be sandpapered away, teared fabrics can be refurnished and chipped paint can be stripped and repainted. Just make sure that the redesigning or restoring process is worth it, because in some cases it can be quite expensive. For example of you bought a simple used chair on the whim just because it was cheap and once you brought it home and calculated the costs of restoring it to its former glory you realize that it will cost you double, triple or even four times as much as the chair actually cost you, then maybe it is not worth doing it. But if you bought a super comfy and cute sofa that still needs costly refurnishing, then in this case it can be worth it, because you will get a comfy and unique sofa, that you will probably use every day.

Tips on Buying Used Furniture

Reasons Why You Should Use Furniture Covers

Furniture is crucial part of any interior because it not only brings together a space, making it look aesthetically pleasing, but also provides a functional aspect o the room, because furniture allows us to have a place to sit and places to put stuff. However, often furniture tends to deteriorate the more we use them, which is why only one of the reasons why you should thing about getting furniture covers.

1. Protection for your furniture


As I already mentioned probably the main reason to get furniture covers is to provide protection to your furniture. Weather you are getting furniture covers for your indoors pieces or patio desks and chairs, the covers will help you keep your furniture looking new longer, as well as keep the furniture from braking or damaging due to weather for outdoors furniture and wear and tear for indoors pieces. I would especially recommend protective covers for investment pieces, like expensive sofas or dining desks, so you don’t have to restore the costly pieces just after a few years of use.

2. If you ever want to resale


Another big reason, why you should thing about some sort of furniture coves is to keep your furniture resale price high. This especially goes for expensive pieces and vintage furniture, but it can also apply to more trendy pieces or ones you purchased for specific space. Often people tend to purchase furniture with one room or house in mind, and then once they move, they sell their old furniture and buy new pieces. And if that is your case or you just want to be cautions with the value of your furniture, buy some type of furniture covers for example slipcovers, as they will allow you to increase the price of your furniture for up to 40% than it would if you wouldn’t have covers on the furniture while you were using it.

3. If you own pets

furniture covers for pets

And the last reason to buy furniture covers is pet hair. Those who own dogs and cats or even other animals know how fast the hairs of your animals get on everything in your house, on your clothing and, yes, also on your furniture. So a cover can prevent that from happening, letting your clean your furniture less often. Doesn’t that sound good? On top of that cats often like to scratch the ends of a sofa or a chair, which can also be prevented by a thicker furniture cover , because the cats nails won’t be able to go through that and therefore your pet won’t be able to ruin your pieces. And lastly those who have had puppies, kittens or other young animals know how young animals are prone of having accidents and how hard it is to afterwards clean the pee and the smell that accompanies it from a sofa. So furniture covers will make sure that your furniture is protected against unwanted smells and liquids, making your life that much easier.

Reasons Why You Should Use Furniture Covers

Tips for choosing patio furniture

Well furnished and comfy patio can be the best thing to happen to your home, especially come summer season with outdoor parties or simply substituting your dining room or kitchen with your patio for eating your meals, because everybody knows that food tastes better outside. But to choose the best patio furniture that will not only look good but also will last for a long time is no easy task, which is why I offer you some helpful tips that can ease your decision as to which patio table, chairs and other furniture to choose from the vast amount of options that are out there right now.


The first and foremost thing you need to do is to figure out how exactly you want your patio to look. You can either look inspiration on sites like Pinterest or Tumblr or just invent your own style of patio decor. You can even tailor the furniture to your garden by sticking to a similar color scheme as the most of your flowers are or for example do all wooded furniture for more of a rustic feel. And then once you have a general idea of how you want your patio to look like, make a list and take measurements. A list will provide that you don’t go overboard by seeing all the cute patio furniture but measurements will ensure that all of the furniture that you buy will actually fit on your patio and you won’t have to return some of them or find other places where to put them. Moreover the measurements are especially useful when you are buying a desk as often a desk is the central peace of a patio furniture setup.

When you are actually in the store and deciding on your patio furniture, you also need to consider a few things. First of all consider the care of the furniture you want. Most patio chairs, desks and even couches are specially made for fabrics that are extremely durable, water resistant and very easy to clean and take care of. But there are some things that will naturally require more care, for example white colored furniture, because you can easily see stains on in. The second thing that is just as important is also how comfortable the furniture actually is. Sometimes chairs or even desks can look amazing, but when you actually go to sit on them they turn out to be very uncomfortable. So test out your furniture before you make any kind of decision.


And the last thing to consider regarding your patio furniture is its storage. If you live in a place where it is warm all year long then you might not need to store the furniture away during some point of the year. But if there are distinct winters where you live or even seasons with heavy rain falls then you will definitely need to store your furniture in a dry place, so it is not damaged by rough conditions. So if you have relatively small garage or other storage area, maybe don’t go and by a huge table and chairs that don’t fold, however if you don’ t have to worry about storage space or the weather damaging the furniture, then you can go ahead and buy whatever furniture you like.

Tips for choosing patio furniture