Collected in one post tips on organizing an art gallery at home, placing carpet in the interior, choosing stylish curtains for the kitchen. Bonus – serving patterns that come in handy

Still not sure how to hang pictures and combine them with decor items? And limit yourself to one lonely frame? Experiment with a designer mirror in the center of the wall and cool posters around. Sorry for the walls – narrow shelves will do. Arrange an exhibition of paintings or photographs on them – simple and understandable schemes to help you.

How to choose curtains for the kitchen

Want to freshen up your kitchen interior? Change the textile design of the window – the atmosphere will sparkle with new colors. Keep in mind that kitchen curtains should not only be beautiful and match the style of the interior but also not hide the space, be easy to remove and not interfere with cleaning. It is not necessary to contact professionals; you can decide on the design yourself.

Determine the size and location of the carpet in the room

Many consider the carpets to be a relic of the past and recall the Soviet times with irony. It’s time to look at this type of flooring from a new angle. A large carpet will look great in the living room, but in the bedroom, you can throw two rugs on the sides of the bed. To make your choice easier, study the detailed diagrams.

Making the bed like in a good hotel

A beautifully made bed is an absolute must-have in any bedroom. She will transform the atmosphere and become a feature of the interior. We are sure that you will like neat bedspreads, stylish pillow compositions that are welcomed by residents of good hotels. Where to begin? Clear step-by-step instructions will help you.

How to set the table beautifully

Scientists have proven that a nicely laid the table and warm company increase appetite and pleasure from eating. To turn an ordinary breakfast, lunch, or dinner into a small holiday, beautiful service, and the correct arrangement of serving items are enough. If you want to simplify the preparation process – use our schemes.

Many do not even try to save savings, citing small incomes. Meanwhile, the secret of successful personal finance management lies in the ability to control your expenses. Experts advise how to achieve this:

  1. Estimate your net worth

The best way to calculate your net worth is to evaluate your property and calculate your debts.

Add up the value of everything you own: cash, savings, retirement accounts, property and car values, valuables such as art and jewelry, and more. These are your assets. Then, assess all your debts – whether it be a mortgage, car loan, consumer loan, or credit card debt. Add them up and subtract from the total value of your assets. This will be your net worth – everything you own.

If your net worth is positive, don’t relax. It takes discipline and cost control to always do this. If your net worth is negative, don’t panic. This is not a verdict, but just the current situation, which can and must be changed. Obviously, you should work harder, save more, spend less, and pay more actively.

  1. Keep a budget

It’s pretty easy to create a budget. You just need to make a list of all your expenses and income. This list will help you focus on your financial goals – whether it’s spending more reasonably, paying off a loan or credit card, or saving for emergencies or retirement.

On one piece of paper, write down all of your monthly income – salary, pension, alimony, or investment income. On another sheet, start writing down your expenses. This, of course, is more difficult, since you will have to track all expenses, even small ones.

An elementary record of expenses often allows you to take a fresh look at your spending, think about their need and value. The new-look will help to eliminate unnecessary expenses without compromising the quality of life.

  1. Normalize expenses in line with income

To live within your means, you need to stick to a budget. If you cannot control your small expenses, follow the so-called strategy of “limiting mandatory expenses to 60% of total income.”

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Mandatory expenses include food, clothing, household expenses, insurance premiums, recurring bills (credit card, loans, car, and housing payments), and all taxes. If your compulsory expenses are more than 60% of your income, you will have to cut some of them.

The remaining 40% of your income should be divided into four parts: set aside 10% for retirement savings, 10% for long-term savings (for a down payment for a home, for example), 10% for savings that may be needed for unexpected expenses and 10 % – for “interests and entertainment.”