Dizzy Miss James - Travel / Food/ Lifestyle

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Top Tips when Creating an Awesome Guest Room


If you have a guest room then you will know what a fantastic space it can be. The problem is that most of the time, this space will be filled with clutter and it will also be packed to the brim with storage boxes as well. When you have a guest come over, you then have the challenge of sorting through all of this stuff to try and make the room feel more comfortable. To avoid all of this, follow the below steps to try and make your guest room way more functional and practical for anyone who stops over.

Create Storage


If you are tight on space then create a designated storage space for your clutter. You may also want to try and create a space for your guests to put their items as well. Consider installing a closet or even try and have some drawers. Little things like this can make the whole room feel way more comfortable and it will also make it much easier for them to unpack when they arrive. If you don’t have the room for this then try and add a luggage rack or even a hanging rail. It’s not much, but it’s a start.

Make a Beautiful Bed


The bed is easily the biggest and the brightest feature of the room. For this reason, you have to do everything you can to make it look super inviting. It doesn’t matter if you are on a tight budget or whether you just don’t have much experience in hosting guests, because it is super easy to make your guest bedroom look incredible with these few simple tricks. Try and stay neutral with the bedding colours and always make sure that the look is consistent across the rooms. You also need to fold your comforter in half, and that you match the style of the room in with the bed as well. Pillows can make all the difference to a good night’s sleep, so choose a nice middle-ground pillow for the guest room.


Accessories

Think about nightstands, tables, easy to access furniture and even a low ottoman. This will really help you to make the most out of the space that you have and it will also help your guests to feel way more comfortable. If you don’t have much room then this is completely understandable, but you should always have a bedside table. After all, you want your guests to have somewhere they can put a glass of water at the end of the night or even their glasses. If you don’t then this can cause them to be uncomfortable and at the end of the day, this is the last thing that you want when you are the host.

So there are many things that you can do to try and make your guests feel more comfortable and when you are able to follow the above tips, you can be sure to make them feel way more at home as soon as they step into the room.



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Common Mortgage Mistakes To Avoid



Most people require a mortgage in order to purchase a property. If you fall into this category, you will want to make sure that you choose a mortgage that is right for your situation. Not only this, but you will want to make certain that you are approved for the mortgage you apply for, rather than having to go through endless setbacks. With that being said, read on to discover some of the most common mortgage mistakes people make so that you can avoid making them.

Applying for a mortgage before downloading your credit report


You are going to need to have a good credit score if you are going to be approved for a mortgage and offered good rates. This is why you need to download your report beforehand. If your score is not as good as you had hoped for, work on improving this before you make your mortgage application. You can also look into the option of making a Transunion dispute online if you believe that there is something wrong with your credit report and, indeed, your score should actually be higher.

Failing to shop around


Yes, you are desperate to be in the house of your dreams. However, shopping around for the best mortgage deal is important. You want to make sure that you are paying as little as possible for your mortgage. Not only this, but you need to make sure that you are choosing a reputable lender with a good reputation in the industry.

Opening new credit cards prior to your mortgage application


New credit card applications can have a negative impact on your credit score, so avoid making any six months before you intend to go for a mortgage and buy a house. Not only this, but your bank statements will be analyzed too, so you will also want to avoid any big purchases in this time frame.

Not knowing what you can afford


Before your property search commences, you need to sit down and figure out how much you can afford. The last thing you want to do is end up tied into a mortgage that is a struggle to pay off every month. After all, you could end up with the property being taken off you if you cannot afford your mortgage repayments.

Not getting pre-approved


The final mistake that people often make when it comes to their mortgages is failing to get pre-approved. Do you really want to waste your time looking at different properties only to discover that you are not going to be accepted for a mortgage in any case?

Hopefully, you now have a better understanding regarding some of the most common mistakes that people make when it comes to their mortgages. If you can stay away from the errors that have been mentioned above, you can give yourself the highest chance of being approved and of choosing a mortgage that is right for you.

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3 Rules For DIY Success


No matter what the project might be, there are a few things that you always want to consider if you are to enjoy success with your DIY at home. A lot of people like to engage in the occasional DIY project, and no matter what it is you will find that you want it to go as smoothly as it possibly can. As it happens, there are always a few rules you can follow if you want to be able to carry out DIY projects without any stress, and that is what we are going to take a look at in this article. By paying attention to the following three rules, you can be sure of all of your future DIY projects being in a much better place to succeed - and that will mean great things for your home in general.



Take Your Time


Arguably one of the biggest, and most common, mistakes that people make is to rush into a DIY project without really thinking about it and end up causing more damage than good. If you want any DIY project to be as successful as possible, then by taking your time with it you make it much more likely that it will work out in your favour. If you are someone who tends to rush headfirst into things then you will probably find that your DIY projects suffer from a few common ailments. First of all, you might have trouble completing them because you burn out too quickly. Secondly, you might be more likely to make mistakes because you don’t allow yourself time to spot them early on. Instead, slow down and take your time. It won’t be that much slower, and yet you will be more likely to complete it properly and first-time, and with much less stress too.


Be Safe


Even when you are carrying out a simple DIY project that you have done a thousand times before, there is always the possibility that you might hurt yourself. You need to make sure that you are doing whatever you can to keep yourself safe, largely because if you don’t then it might mean that you end up not being able to carry on with the project anyway. To ensure that you put safety first, you might want to think about using some Bryson Products built especially for that purpose. You might also find it beneficial to take it slow, as discussed above, as this will make it much less likely that you are going to accidentally hurt yourself.


Plan It Out


By taking merely a few moments before you start the DIY project, you can ensure that you have much greater success with it in the long run. Planning it out even a little will mean that you know what’s coming, and that will ensure that you can have much more success with the project as a whole. Plan it out as fully as you can, and you will be able to see it through to completion in no time, and with perfect results.


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5 Things You Should Do Before Buying Your Own House


Buying a house is a dream for most people. After all, everyone wants a place that they can truly call their own. Unfortunately, as exciting as the journey is, it can also be stressful and incredibly expensive. The process itself is complicated, and there are so many costs that get forgotten until they come to bite you. Because of this, it’s important that you’re as prepared as you possibly can be. With that in mind, here are five vital things you need to do before you buy a house of your own. 

Figure Out Your Finances

A home is one of the most costly purchases you’ll ever make, so it’s crucial that you figure out your finances and consider every cost before you even start to look at properties. Although your mortgage will cover most of the price of the house, there are legal fees, inspections, and a deposit that you need to pay for yourself. Because of this, you should go through your income and expenses and find ways to save up the money you need. 




Work With The Professionals


Real estate can be complicated and confusing, so, unless you’re a professional yourself, you’re going to need to have some help along the way. This means researching and finding experienced conveyancing lawyers, real estate agents, and surveyors. Make sure you take some time finding the right professionals for you, as they will really make a difference. If you know someone who has recently bought a house, then ask them if they have any recommendations.

Understand What You Want


Realtors are there to help you find the house of your dreams, but they can’t do this unless you tell them what you want. After all, they’re not mind readers. Because of this, you need to sit down and write a list of everything you want out of your new property before meeting with your estate agent. Once they have this information, they should be able to suggest a few houses that you’d like. Just try to be flexible, as it might not be possible to meet all of your wants and needs. 

Address Any Credit Issues



Being accepted for a mortgage is usually the difference between you owning and house and staying in the rental market. There are lots of reasons why you may get turned down for a mortgage, but a bad credit score is one of the most common. Because of this, it’s vital that you address any issues with your credit score and try to increase it. Paying off your debts and registering on the electoral roll will help with this. 



Do Plenty Of Research


Overthinking is never a good thing when looking at properties, but, at the same time, you shouldn’t be too impulsive. Never put in an offer as soon as you’ve seen a house, as this could be a huge mistake. Instead, you need to take some time to think about your options and do plenty of research. You should also go back for a second and third viewing at different times of the day. You may feel completely differently about the property once you’ve seen it in a different light. 

Buying a house is a massive commitment, so make sure that you’re prepared, and follow the advice above. 


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4 Reasons Why You May Get Turned Down For A Mortgage





You have finally decided to get out of the rental market. You have considered your requirements for your dream home. You find a house you like. And then you book an appointment with a mortgage lender, excited at the prospect of finally buying a house. And then...

You are told no! For whatever reason, you haven’t been accepted for a mortgage and your dreams of owning a home crash down around you. Why you ask them. Why are you being so mean? Why are you destroying my dreams? Don’t worry, it’s probably not personal, and there are good reasons why you may get turned down for a mortgage. Here are some of them


You can’t afford the repayments


Before choosing a house, consider whether you can actually afford to make the mortgage repayments. The bank will take a number of things into consideration, and if you don’t pass the stress test (an investigation of your income and expenditure), you will be turned down. This is to cover the banks back, but it also helps you, as you don’t want to run into financial trouble down the line after buying something you really can’t afford. Still, it is possible to pass the stress test, as you can increase the repayment period, take out a joint mortgage, and reduce your expenditure in the run-up to your application.

You have too many debts


Any debt you hold can work against you. Unpaid bills, existing bank loans, the multitude of credit cards you may have in your pocket...these are just some of the debts that may be hanging over your head. The lender will also look at the added debt the mortgage will create for you, as this will influence their decision on how likely you are going to be able to manage the repayments. Therefore, sort out your debts before you apply for a mortgage. Pay off outstanding bills, consolidate your debts with companies such as Freedom Debt Relief, and then cut up any credit cards. This will benefit your mortgage application, and will also benefit your life in the long term.

There are issues with your credit report


The bank will take your credit report into account when deciding your viability for a mortgage. Any discrepancies, such as an old mobile phone contract at a previous address, or a poor credit score, possibly because you still haven’t paid off those debts, are going to scupper your application. Before you apply for a mortgage then, look for ways to improve your credit score, as this will vastly improve your chances of getting approved. 

You are applying with the wrong lender


There may be no issues with your credit score at all. You may have paid off your debts. Your finances may be impeccable. But if you are applying to the wrong lender, you will get turned down. Crazy as it seems, but lenders take other things into account. You may be too young or too old, for example, or you may be self-employed. Whatever the reason, you aren’t ticking the lender’s boxes. However, considering that these factors are only a problem with certain lenders, you should then move on to another lender, rather than assume you are going to be stuck on the rental ladder forever. Perhaps do your research into the lender at the outset too, or speak to a mortgage advisor, to help you find the right lender for you.

Final word


Getting a mortgage is tough, especially in today’s housing market. But don’t give up on your idea of a dream home if you have been turned down. Follow our advice, and then seek further help if needed, to ensure you stand a better chance of getting a mortgage. The keys to your dream home await you!


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