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20 DIY Decorating Tips on a Budget

avoid credit card debt with 20 diy projects on a budgetDecorating a house or apartment doesn’t have to break your budget every time you want jazz things up. There are plenty of cheap or thrifty decorating solutions to fit a small or modest budget. Here are 20 decorating tips on a dime that will still give your budget room to payoff debts.

20 Ways to Decorate on a Dime

Between your own inventory, thrift stores, friends and some DIY elbow grease, you can transform a room or your whole house. If you tend to exceed your decorating budget, changing the decor every so often may help to curb big purchases and shopping sprees. The more you stay on budget, the faster you can eliminate debt.

Make sure you are creating and following a monthly budget so you can have money for fun, DIY projects like these. It may take a few months to save money for your project, but it will be worth the wait when you don’t have debt. Even if you are working on paying off credit card debt, giving yourself some freedom is a great way to incentivize good financial stewardship.

Here are 20 ways to decorate on a dime!

  1. Change the furniture layout
  2. Paint the walls
  3. Add an accent rug
  4. Swap out the curtains
  5. Redo a thrift store find
  6. Frame some artwork
  7. DIY your own artwork
  8. Create a gallery wall
  9. Buy a new lamp shade
  10. Exchange items with friends
  11. Accent with new or stored away linens
  12. Create an organized space from Dollar Store
  13. Paint a furniture piece
  14. Add contact or wallpaper to the back of the kitchen cabinets
  15. Add a DIY wreath to the front door
  16. Buy new house numbers and a mailbox
  17. Install a kitchen backsplash
  18. Add decorative mirrors
  19. Upgrade the garage door hardware
  20. Create an accent wall with reclaimed wood

Between the interior and exterior of your home, you can create new looks with these ideas for a small budget. To find even more potential savings, ask a friend if they want to join. Pick a project where you can split the costs to get a better deal- maybe paint or find a “buy two get one free” deal on supplies. This will keep credit card debt at bay.

For more ideas on how to transform your home or apartment for less, visit ACCC’s Decorating on a Dime Pinterest board.


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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