Decorating Your New Home On A Budget

You did it! You saved every penny, cut back on luxuries, and you finally have the keys to a place of your own. What’s next? Well, now that you’ve moved in, it’s time to start making your house look like a home. This is the place you’re probably going to spend most of your time in. It’s where you can relax and create memories with your family, so it needs to be somewhere you love.

Decorating your new home might seem like an intimidating task but with a little TLC, your house will feel like a home in no time.

How much does it cost to decorate a house?

How much you spend when decorating will depend on what you want to do. Do you just want to give your home a new lease of life with a lick of paint and some new furniture? Or do you want to completely renovate it?

On average painting and decorating prices cost about £160 per day in the UK, and a little more in larger cities. That means that for an average-sized room you could pay between £375 and £500. Painting and decorating a  two-bed home could cost you up to £2,100, while a three-bed could set you back £3,100. 

Depending on the size of your home, you might want to consider hiring a painter and decorator for one big job, rather than a few smaller ones. This could save you some money in the long run. 

Refreshing your new home

If you’re not afraid to get stuck in, you can pick up a tin of paint from your local hardware shop from as little as £8. Of course, you could spend more if you choose to buy a primer, high-quality paint or a finishing coat. 

If DIY isn’t your thing then you might be looking at hiring a professional to paint or wallpaper your home. This will take the stress out of doing it yourself, but it could be costly.

When hiring a professional there are a few things that will affect the cost of the job:

  • Where you live
  • The age and condition of your property
  • How long the job takes
  • The types of materials (such as the quality of paint) that you want to be used

Depending on the room size, a professional paint job could cost you anywhere between £250 and £500.


Renovating your new home

You might have your heart set on a full transformation, complete with knocking down some walls and changing up your space. It could cost you £1200 to £1,750 for a professional to remove a load-bearing wall in your home. Other costs you might have with this type of work include moving light switches and power sockets which could set you back £85 to £150, and moving a radiator, which could cost you anywhere from £65 to £300. There are lots of hidden costs involved with this kind of renovation so make sure you do your research before starting any work.


How can I keep costs down?

Decorating your home doesn’t have to break the bank. The key to keeping your spending in check is knowing what you want to do with your home before you begin any decorating.

Create a budget

A budget will help you to take full control of your finances. Without one, you could struggle to keep track of what you’re spending on your home.

To start your budget you’ll need to know exactly how much money you have coming in and out of your account each month. When you have a clear idea of this, it’s time to think about what you want to do with your home. Estimate the costs of each job, no matter how small they may be.

You can now compare these costs to your savings. You might have to let go of some of your decorating ideas if they’re out of budget, or if you’re set on doing everything on your list then you can look at your spending and see if there are any areas you could cut back on to save a few more pounds.

Remember to leave room in your budget for any unexpected expenses that could pop up and shop around before buying anything for your home to make sure you’re getting the best deal.

Family and friends

Ask around your family and friends to see if anyone has any furniture they no longer need or use. If you have something you’re looking to get rid of, like a perfectly good couch that just doesn’t work in your new home, you could organise a swap with a friend so you both get something new, for nothing!

Not only is this good for the planet, but it will also likely save you quite a few pounds than buying new.

Check online marketplaces and charity shops

Your friends and family may not have any spare furniture, but there’s plenty of people out there who would love to sell, swap or even just get rid of theirs.

Have a hunt through charity shops where you’re bound to find some pre-loved, and sometimes brand-new, treasures. If you’re a fan of DIY, you could even upcycle furniture that you find and make it into something you love. 

You could also check out online groups or marketplaces that have been created specifically for buying, selling, and swapping second-hand furniture.


Have a little patience

We’re all guilty of wanting to get to the end result as quickly as possible, but now that you own your home there’s no real rush to get it fully decorated right away. It’s a work in progress, and the more time you give yourself to decorate it, the more money you can save to put towards it.

How can I make the most out of my space? 

Whether your house is big or small, the key to making it feel like a home is how you use that space. Some people might be deterred by decorating smaller spaces or daunted by bigger rooms. Luckily, there is so much inspiration out there to help you figure out what to do with your own space. Sites like Pinterest and Instagram are a great place to look for ideas if you’re a bit uncertain of what you want.


Do a clear-out before you move in

Moving into your new home is the perfect opportunity to de-clutter. Most of us are guilty of hanging on to possessions that we no longer need because they have sentimental value to us, or because it feels wrong to get rid of something that could still be useful. In reality, a lot of the things we hold onto could end up stuffed under the bed, hidden away in cupboards or just taking up space.

Before you bring anything into the house, ask yourself if you really need it. When going through your things, separate them into ‘keep’, ‘donate’ and ‘bin’ piles. Anything that you love and is a necessity will go in your ‘keep’ pile, anything that is in good working condition but you no longer need goes in the ‘donate’ pile, and anything broken goes in the ‘bin’ pile.

It might seem difficult at first, but you’ll be glad you’ve done it when you’re finished, and it means you won’t have any junk taking up space in your new home.


Be clever with colour

Some people shy away from bright colours. We get it, colour can seem gaudy and overpowering if used incorrectly. But when done right colour can be a great way to make a space really unique.

If you don’t feel brave enough to paint your walls, why not try using a pop of colour? You could use a brightly patterned rug, some artwork, or even just a few fun pillows to add some character to a room.


Storage, storage, storage 

A big key to making the most of your new home is to make sure you have enough storage for your things. Traditionally, you’d probably hide away a lot of your things in cupboards and drawers, and storage that could be quite big and clunky. But you could make a feature out of your things by using open shelves, bookcases, and ladder shelves. Not only will this give you the storage you need, but it also lets you showcase your most valued possessions.


Bring the outdoors in 

Plants are a really easy way of bringing life to a dull space. You could hang some from your ceilings, pop them in your windows or have some stand-alone pots. Not only do they look great, but they can also purify your air and boost your mental health.


How can I protect my home?

When you’ve put all this effort into making your home exactly how you want it to be, it’s important to remember to protect it. 

Something you might want to think about is how you could protect your home and family if you were to suddenly pass away. Mortgage life insurance is a type of life insurance that’s designed specifically to help protect your loved ones if you were to pass away before a large loan or debt has been fully paid. It means that if the worst did happen, your family would have a financial safety net that could help them to cope with outstanding mortgage payments or debts.

If you're just moving into your new home, you can check out our previous guide in the series 'Tips for moving into a new home'. 


Compare with Choozi

Doing up your new home is an exciting time in your life. It could be the start of a whole new chapter for you and your loved ones. It’s important to remember to put a plan in place that helps to keep the whole family protected. We can help you to easily compare Mortgage Life Insurance policies from the UK’s leading insurers, so you can enjoy your new home knowing that you’ve got the right cover to protect your family.


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