don’t make these mistakes when borrowing money

Some people say it is never a good idea to borrow money, but that is not true. There will always be times when you need to borrow money, whether it is to buy a house or a car or to pay a bill that came out of the blue. That is not a problem as long as you borrow money the right way, compare credit, and do not make some of the big mistakes that many people make in this situation. Here, we look at some of the worst things you can do when you borrow money.

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Getting by with credit cards

Life has a way of throwing you curveballs, and when it does, your monthly expenses end up being higher than your income. In this case, you might want to look into getting a credit card to make sure you can pay all of your important bills on time. In an emergency, that is fine, but some people depend on their credit cards to live or make more money every month.

This is not a good way to manage your money because you usually end up paying off the balance and then using the money right away. All you are doing is wasting money on interest payments. If you always have to borrow money or use your credit card at the end of the month, you need to look at your budget again and change how much you spend. That might mean giving up some luxuries until your money is in order again.

Getting the wrong kind of loan

When you get a loan, you should look at your options to find the best loan for your needs. Because it is often something that needs to be taken care of quickly, many people rush into it and do not make the best choice.

For example, if you want to start a business, you do not need a personal loan but a loan for a business. But if you want to fix up your house, you should look into secured property loans because you will get a better interest rate most of the time.

Taking out more money than you need

Borrowing money for non-essentials is never a good idea, but even if you need money in an emergency, you might be tempted to borrow more than you need.

The lender may tell you how much you can borrow when you ask for a loan. People often end up borrowing more money than they planned to because they think having more money will make their lives easier.

But that is only true in the short term. Once you have to start paying back the loan each month, it will be much harder to stick to your monthly budget. Before you apply for a loan, you should figure out exactly how much money you need and stick to that amount.

Getting money from family and friends

If you are having trouble paying your bills and are behind on a lot of payments, you might find it hard to get a loan or other credit because you have a bad credit rating. In this case, you might decide to borrow money from family and friends. If they can afford it, they will probably be happy to help. But that can be a huge risk sometimes. When you borrow money from family or friends, it can change your relationship with them, and if you can not pay it back, it can cause a lot of tension and fights.

If you have no other choice but to borrow from friends and family, you need to set clear rules to protect everyone. Think about it like you would any other loan, and make sure paying it back is your top priority.

** This was a contributed post.

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our most pinned diys

Hey guys! 

I recently added a widget for my top blog posts. Since then, I’ve been noticing how a few of them change almost daily while others remain constant in those coveted spots. Because Pinterest is the main catalyst behind their numbers, I thought that I would share my most pinned posts, how they held up over time, and provide updated photos if I can!

Here we go:

Spare Bedroom
(8000+ clicks)

I am almost embarrassed of this post now. I published it nearly 8 years and 4 houses ago. I was showing my favourite bedrooms on Pinterest and how they influenced both of our own spare bedrooms in our home, Little Green. The trend was very early 2000s- colourful, eclectic, and home-made. Almost everything was thrifted. Not at all what our style is now.

That said, I must say that the house did sell very quickly and we made more from the sale than we did with any other home. It’s also my most popular DIY. So I guess there’s something to be said about busy bedrooms?

Wood Pallet Playhouse
(3000+ clicks)

Although the spare bedroom post is currently my most popular, this post that I published 2 years ago on how to build a free wood pallet playhouse is quickly going to surpass it. I am very proud of this project. It was a labour of love for our children and is definitely one of the things they use the most when playing outside.

So how did it hold up after being outside for the last 700 days? The wood pallet platform that it initially rested on only lasted until the end of the first summer. By then, the wood had buckled and split so badly that we ended up getting rid of it. That makes sense though, right? If you were to leave wood laying flat outside for months on end, of course it’s going to warp from all of the precipitation.

What we did instead was create a base of river rocks for the playhouse instead (pictured above). This is something that I recommend highly. We removed the grass, laid down plastic, and then filled it with bags and bags of rocks, as well as larger ones that we collected from neighbouring fields. The river rocks were somewhat pricey, but it ensures that we don’t have to move the playhouse to cut the grass growing inside and around it.

Other than that, the playhouse itself has stood the test of time! It has survived several wind, rain, and snow storms. It hasn’t moved an inch, and hasn’t fallen apart. It is my favourite free DIY to date!

Rocky Mountain Decals Wallpaper
(2000+ clicks)

This wallpaper.

The back story was that I had contacted Rocky Mountain Decals through their website when we were about to renovate our living room. I wanted a wall of wallpaper, but because it would have been several hundred dollars to purchase it all, I thought that there would be no harm in reaching out to companies asking for a collaboration.

They were the first and only company that I ended up contacting with. As luck would have it, they accepted my application and told me to send my top 3 wallpaper preferences along with the wall dimensions. I did, they narrowed it down to one, and a few weeks later I received about $800 worth of wallpaper!

Now applying it wasn’t the issue. I was able to do it easily enough, alone, while five months pregnant. It only took one morning and it looked fantastic. Where the trouble came was afterwards. You know how flooring expands and contracts after installation? Apparently the same goes for wallpaper. What you get as a result in your perfectly smooth application is air bubbles. Bubbles on bubbles on bubbles.

When I first noticed this I thought ‘no big deal, I’ll just smooth it out and they’ll go away.’ I did, but they didn’t. What I came to realize is that air bubbles never just go away on their own. Once they form, you basically need to cut them out. Thus, I spent the next few weeks making slits in the wallpaper wherever I saw a bubble, then very carefully lifting and gluing the backside of the paper down, and finally smoothing it out once again.

The entire process almost drove me to tears. At a few different points, I told Geoff that I wanted to just take it all down. However, he convinced me to leave it up. You really can’t notice the lines that I cut, but I know that they are there.

So what is the verdict? Wallpaper is beautiful. It is a quicker albeit more expensive alternative to paint. Would I wallpaper another wall? Probably not. I am too much of a perfectionist and the bubbles drove me crazy. But if I did, I would have no problems with using Rocky Mountain Decals again. It really is thick and durable wallpaper. Just expect bubbles (with it and with any other brand)!

Tongue and Groove Ceiling
(600+ clicks)

Although this post doesn’t have my highest views, it is the one that I receive the most emails about. Unfortunately, I am unable to answer the questions that I receive about it. Let me explain why.

When it came to this ceiling, it was our contractor’s idea for the wood and for the stain. I had assumed that we were putting up drywall, but he had insisted on tongue and groove. Because he had already budgeted for it, we went ahead with his vision.

He asked us to pick out stain for the ceiling. So we did. We went to Home Depot and picked out a grey Minwax stain. I cannot remember the name. We assumed that he would cover the ceiling in it and that would be the end. However, when we went to the house and saw it, we noticed that it wasn’t stained in the grey that we chose. It was a mix of the grey and a brown. We loved the finished look so we didn’t care that he had made the change without consulting us. When I asked him how or why he did it his reply was, “don’t ask.”

I didn’t press him on the matter. That said, I still get several emails per year from people telling me that they absolutely love the colour of the ceiling and they’d like to know the name of the stain that we used. Unfortunately, aside from the brand, I can’t help them!

Nevertheless it remains my most popular post on The Little Barn on Pinterest.

Reclaimed Pallet Dog Bed
(500+ clicks)

We made a bed for our pets and subsequently published this post over 7 years ago. It was a fairly straightforward DIY that served us very well!

While we went on to make more (and even sell a few on Kijiji), we ended up removing the casters from the bottom of the bed given that our dogs at the time were so small. However, I still suggest using them, especially if you are wanting a more elevated bed for your pets!

Gender Neutral Nursery
(200+ monthly views)

I think that this is probably the room that we have renovated most in our home. And renovated, and renovated, and when Wilder goes downstairs in less than a year, will be renovating one more time. Oye.

But it is also one of the rooms that I love most. While I did mention in the post that we have already changed a few things, it has mostly stayed the same.

It is a super cute and functional space and for that, it is one of our more popular DIY remodels.

Additionally, here a few other posts that turned out really well and have remained really popular on Pinterest. Our Pop-Up Camper, Culverts, Dog Run, Exterior Doors, Jungle Gym, and Hallway Staircase.

I hope you enjoyed this update! Let me know if you would like another popular pins post.

Emory

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5 valuable lessons you can learn from renovating your home

Unsplash – CC0 License

Renovating your home is something that is almost inevitable, particularly if you own your own house, and especially if you live out on the prairies. And, like everything in life, it’s something you can learn from. 

We’re not just talking about the practical DIY skills you learn, either. Carrying out a home renovation can teach you things you never knew about yourself. 

In this post, we look at what you can learn from home remodeling and how it changes you for the better. 

It Teaches You Patience

Home renovation projects rarely work out how you want them to the first time around. There are almost always glitches, delays, and installation problems. 

Because of this, remodeling teaches you the art of patience. You learn that if you want to get something right, you need to work late into the night after work, perfecting your work so that it looks professional. You also learn to accept that not all building materials will arrive on-site exactly when you plan them to. There will always be problems and unexpected delays. 

You Learn About Smart Changes

Unsplash – CC0 License

Big, showpiece upgrades make you feel good for a while (and will have everyone in the neighborhood talking), but once you become more experienced, you start to learn that it’s the smart changes that make the biggest difference to your quality of life. 

For instance, as leafcogutters.com points out, adding protection to your gutters is a small change, but it negates the need to clean them out every couple of weeks in the fall. 

Similarly, adding refrigerated drawers to your kitchen or an ice maker can make cooking and preparing meals much simpler, all at a low cost. 

You Discover How Fearless You Really Are

Transforming your home takes a lot more courage than many people imagine. In many cases, you have to completely destroy what’s there right now so that you can replace it with something better.

During this process, you discover how fearless you truly are. While you have some trepidation initially, you find that you actually feel quite comfortable with a hammer in your hand, or when applying paint stripper to the walls. You don’t get freaked out as much when things look bad after a tear-down day. In fact, you view it as a sign of progress. 

You Should Always Be Prepared

Going into any renovation, you always need to be prepared. Think carefully about what could potentially go wrong, and then cook up some contingency plans, just in case. 

Preparation could involve working with multiple suppliers, collecting all the tools you need, surveying your home, and ensuring that it can accommodate the changes that you want to make.

You Can Be Adaptable If You Want To Be

Lastly, we sometimes forget just how adaptable we can be, according to www.scientificamerican.com. However, you soon rediscover your ability to cope with change when renovating your home. It’s like you learn about a creative side of yourself that you never knew you had. In turn, that makes you feel more confident to pursue projects in the future. 

** This was a contributed post.

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happy mother’s week

Yesterday was Mother’s Day! Because I didn’t publish a post prior to the holiday, I wanted to post one today, and to dedicate the entire week to mothers everywhere.

Personally, this has been my greatest job and the most rewarding thing that I have ever done. I sincerely hope that you all had a wonderful day, and were celebrated at some point!

And to those who are still waiting to become mothers, I see you.

Have the most wonderful week!

Emory

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the top 5 cooking tips to create unique and delicious dishes

Cooking is an art form that can be used to create delicious and unique dishes. If you want to expand your culinary horizons, you need to check out these top cooking tips! These tips will help you learn how to cook more complex and exciting dishes. So get ready to take your cooking skills to the next level!

Via Pexels

1) Use fresh and seasonal ingredients:

Seasonal ingredients will always taste better than those that are out of season. Not to mention, they are also more affordable. When you use fresh and seasonal ingredients, you can be sure that your dishes will be packed with flavour. If you want to take your cooking to the next level, then you need to start using fresh and seasonal ingredients. This will ensure that your dishes are packed with flavour and appeal to a wider range of taste buds. Not sure where to find seasonal ingredients? Check out your local farmer’s market or grocery store for a list of what’s in season. You can also do a quick Google search to find out what fruits and vegetables are currently in season.

2) Get creative with your spices:

If you want to take your cooking to the next level, then you need to start getting creative with your spices. Spices can transform a dish from bland and boring to flavour-packed and exciting. When it comes to cooking with spices, there are no rules. So don’t be afraid to experiment! From there, you can start experimenting with different spice combinations until you find something that you love. Trust this; your taste buds will thank you!

3) Cook with different kinds of cuisines:

One of the best ways to learn how to cook more unique and delicious dishes is to cook with different cuisines. There are so many different cuisines out there, each with its own unique flavour profile. You can expand your culinary horizons by cooking with different cuisines and learning new techniques. Not to mention, you’ll also get to try some delicious new dishes such as linguine with clams in white sauce! So next time you’re feeling adventurous, why not try cooking with cuisine that you’ve never tried before?

4) Learn from your mistakes:

Every cook makes mistakes, but the best cooks are those who learn from their mistakes. If you want to take your cooking to the next level, then you need to be willing to learn from your mistakes. After all, there is no such thing as a perfect dish. So if you mess up a recipe, don’t get discouraged! Instead, use it as an opportunity to learn and grow as a cook. Mistakes are inevitable in cooking, but how you handle them counts. Learning from your culinary mishaps is what will help you become a better cook.

5) Have fun:

Last but not least, remember to have fun! Cooking should be enjoyable, so make sure to find recipes that you’re excited about. Don’t be afraid to experiment and try new things. And most importantly, don’t take yourself too seriously. After all, cooking is supposed to be fun! If you keep these things in mind, then you’ll be well on your way to becoming a better cook.

So there you have it! These are the top five cooking tips to help you create unique and delicious dishes. So get out there and start cooking! Who knows, maybe you’ll even come up with a dish that becomes your signature recipe.

** This was a contributed post.

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  • Welcome, friends! My name is Emory. I am a wife and mother to four (three on earth and one in heaven). This is our life on the Canadian prairies.
    email: helloscarlettblog@outlook.com

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  • covid renovation: wood pallet playhouse
    let's cuddle in the spare bedroom and discuss decor
    more tiny homes
    don’t make these mistakes when borrowing money
    make this: wood pallet dog bed
    retro inspo
    all quiet along the potomac tonight
    stairway to heaven, or something like that
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