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Whether you are just moving into your first apartment or you’re a veteran apartment dweller, decorating can be a challenge.
Unlike when you’re a homeowner, living in an apartment can come with many restrictions about the modifications you are allowed to make. Most landlords won’t allow you to paint your walls, change light fixtures or even hang art. With these types of restrictions, it might seem like a cozy home is out of reach - but that’s not true. There are plenty of DIY’s that you can do to cozy up your apartment – and most of them are super budget friendly too!
Here are five DIY projects that will make your apartment a cozy retreat without sacrificing your security deposit.
Nothing says “I’m a student” like bedsheets tacked up as curtains, but that doesn’t have to be your only option if your new apartment didn’t come with window treatments – or if it did and the current ones are ugly.
Hanging curtains is a super simple task that will make your apartment instantly feel like home. All you need for this project is a few inexpensive curtain panels and rods (my favourite place to buy these is IKEA) and an electric drill. This project is inexpensive and easily removable, so you can take them down when it’s time to move on to a new apartment and rehang them in your new digs. Just make sure to patch the holes when you leave, and your landlord will never be the wiser!
Use Tapestries Instead of Framed Art
After the curtains are hung, you’ll need to add some wall art. A home will never truly feel finished without a few pieces of art on the walls. If you’re ready to move on from the classic tacked up poster but can’t afford framed wall art yet (those big frames are expensive), consider making a large tapestry the focal point of your living space. They’re less expensive to purchase, and it’s easy to class them up by hanging them on a dowel rod.
The project is simple: measure the length of your tapestry and add a few inches on each side. Then purchase a dowel rod and get it cut to that length at the store (most stores will cut down items for free). You’ll need to sew a loop at the top of the tapestry for the dowel rod to slide through. Sewing the loop is easiest with a sewing machine, which can be found cheaply on Kijiji or Craigslist or in a relative’s attic.
Next, add an eye hook to each end of the dowel rod and string some twine or a length of leather through each hook. Finally, hang your tapestry and pat yourself on the back. An extra perk of this project is that you’ll only need one nail hole on the wall instead of two.
Sew New Cushion Covers
Sewing new cushion covers is a wonderfully inexpensive way to keep up with the latest style trends without spending a lot of money. If you want to take part in the new chevron trend but you don’t want to make a big investment, sewing cushion covers can make you trendy for $20 or less.
All you need for this project is a sewing machine, a sharp pair of scissors, a measuring tape and some fabric.
You’ll also need some very basic sewing skills, but there are tons of tutorials online to help you get started, as well as step-by-step tutorials on how to make a removable cushion cover. Just search for “envelope pillow tutorial” because that avoids the more complicated zipper style cushion cover.
Install New Light Fixtures
Installing light fixtures yourself is a more advanced DIY project because it involves knowledge of electrical systems and access to your apartment’s electrical panel. If you aren’t comfortable with working with electricity or you can’t shut the power off to your apartment, you should skip this project. If you’re open to these concepts, keep reading.
Installing new light fixtures is a slightly more advanced project but is a wonderful way to customize your apartment with the perk of being a completely reversible DIY. If your apartment has some truly ugly or builder basic light fixtures, you can swap them out with more stylish ones (again, IKEA is a favourite source). There are many YouTube tutorials online about how to do this, so I’m not going to explain the process step by step. By adding stylish light fixtures to your apartment, you’ll instantly make it cozier. Just make sure to hold onto the original fixtures so you can swap them back when you move out (or get your landlord’s permission and just leave them).
Living in an apartment has many benefits, but one of the biggest drawbacks is the lack of customizability of your surroundings. While it’s true that you probably won’t be allowed to knock down any walls or make too many upgrades, there are plenty of budget friendly DIYs that will make your apartment a cozy retreat.
We know the fine print can be painful, but we believe it's important you have all the facts!
easyfinancial offers a variety of financial services including personal loans, and mortgages. easyfinancial is a division of goeasy Ltd., the leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians. goeasy Ltd. is listed on the TSE under the symbol 'GSY'.
* easyfinancial offers secured personal loans in all provinces, excluding British Columbia, Nunavut, Northwest Territories, and Yukon.
CREDIT SCORE IMPACT
While having a loan and honouring its obligations can help build credit, too many loans may be seen by potential creditors as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.
Loans from easyfinancial do not automatically renew. Customers have the option to request an increase to their loan after paying down a percentage of their current loan amount and maintaining good payment history. Such a request would be subject to the company's standard underwriting rules.
easyfinancial offers personal loans from $500 to $25,000 with terms from 9 to 120 months. The APR is between 19.99%-46.96%. Secured personal loans may be subject to provincial fees upon funding. NSF (non-sufficient funds) payments will be assessed a $50 fee in addition to fees charged by the customer's financial institution.
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LOAN PROTECTION PLAN
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The complete terms, eligibility, benefits, limitations and exclusions are contained in the Certificate of Insurance.
Purposes for Which goeasy Handles Personal Information
goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing financial services and leasing household furnishings, appliances, and home electronic products to its customers under lease agreements. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
We may collect and use personal information for purposes such as, but not limited to, the following:
Personal Information goeasy Collects
goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
Transfers and Disclosures of Personal Information
goeasy may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada, including in the United States, and will be subject to applicable legal requirements in the country in which they are located, including lawful requirements to disclose personal information to government authorities in certain circumstances.
goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.
Access and Accuracy
goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation. An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.
goeasy's Websites and E-Mail Communication
goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancial at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.
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We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.
In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.
Inquiries or Further Information
Privacy Officer, goeasy Ltd.,
33 City Centre Drive, Suite 510
Mississauga, Ontario, L5B 2N5, Canada
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at http://www.privcom.gc.ca. or in Quebec, Alberta or British Columbia, your provincial privacy regulator, as applicable.