Home Renovation Options When You Have Bad Credit and No Money

Date posted: Sept. 10, 2015
Rearranging your furniture

If your home could use some updating but you have a limited budget and bad credit, your options can be a bit limited. However, there are several ways you can give your home a makeover, even if you have bad credit and very little or no money to get started.

Yard Sales and Thrift Stores

Buying things secondhand is trendy these days, so take some time out of your weekend to browse local yard sales, thrift stores, and consignment shops. You can find furniture for low prices (and sometimes even for free if you catch the very end of a yard sale and you are willing to haul it away), and while it may need a little love and care, you can view this as an opportunity to make it your own. These are also fabulous places to find decorative items like wall hangings, tapestries, and knick-knacks.

Add a Coat of Fresh Paint

Paint is not free, but if you keep an eye out on your local sales flyers, you can snag a great deal that will cover an entire room for around $30 to $40. An accent wall is always a great option, and this might be a bright red or a pattern of your choosing. This small, inexpensive change often serves as inspiration, too. Accent the newly painted red wall with a couple of matching throw pillows on the sofa and a vase on the coffee table, and you will have created a brand new atmosphere.

Rearrange the Furniture

Sometimes, all it takes to breathe new life into your living space is a new look. Rearranging your furniture will not cost you a penny, either. If you cannot move the heavier pieces on your own, consider hosting a potluck barbeque. Ask a few friends over, enjoy a nice meal, and then ask them to help you shift your sofa, bed, refrigerator, or more. Try facing sofas toward windows rather than a television set, or arrange chairs in a corner with a decorative lamp to create a reading nook.

Get New Furniture

If you want new furniture but have a tight budget and your credit is bad, you still have options. Rent-to-own furniture is a great way to get what you need without coming up with a hefty sum of cash or attempting to take out a high-interest loan. You can make affordable weekly payments over time, but because you have the option to pay the furniture off early at any point without penalty, you can still get incredibly competitive pricing, too. In fact, you can also purchase new electronics and appliances in the same way. These stores have excellent selections, so you can find exactly what you need to suit your style and personality.

As you can see, you do not have to have a great deal of money or a high credit rating to make a few simple, refreshing changes to your living space. A new living room suite (or even rearranging your existing furniture) and a fresh coat of paint can make a world of difference without breaking the bank.

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