Friday, September 21, 2007

5 Decorating Ideas for Small Kitchens

Having a small kitchen can be painful. It seems difficult enough just to function in such a small space, and decorating it nicely can feel like an impossibility. Have hope though, there are several excellent ways to decorate tiny kitchens. Here are five ideas to get you started:

1. New cabinet knobs and handles - Changing your cabinet knobs or handles can make a world of difference in how your kitchen looks or feels. There are a variety of themed kitchen cabinet knobs such as those shown here: http://www.stylishfinds.com/decor/5/cute-kitchen-cabinet-knobs/ - or you can go with traditional shapes, colors and styles instead.

2. Throw rugs - Throw and area rugs don't have to be large. In fact you'll find many small ones designed specifically for use in the kitchen or bathroom. Put a nice weaved rug on the floor in front of your kitchen sink or stove for instance, and you'll create a cozy decorative touch to the kitchen without sacraficing limited space.

3. Towels and hot pads - This may seem obvious to some of you, but many overlook this simple and easy decorative accent. Buy pretty towels with designs, patterns, or just colors to accent and compliment your kitchen decorating theme. Towels can easily hang on cabinet doors, stove or refridgerator handles. Round out the added decorative touch with hot pads, gloves, and divets that compliment or match the towels. Hot pads and divets can be easily hung on the wall, allowing for more decorative flair without getting in the way.

4. Stenciled designs on cabinets - This is a little used yet excellent decorating technique for tiny kitchens. Paint stenciled designs on the front of your cabinet doors. Stenciled designs can be simple little flourishes in the corners, or large budding flowers right in the middle of the cabinet door. They can also be general shapes or other objects that fit in with your personal decorating style.

5. ceiling fan or small chandelier - A ceiling fan or small kitchen chandelier will do wonders to improve the decor of your kitchen without taking up much needed working space. Since the room is small to begin with though, be sure to go with small chandeliers or fans so the room won't be overwhelmed. You'll find hundreds of excellent chandeliers here:
http://lamps.diyhomedecorating.com/Chandeliers/

2006, Kathy Burns-Millyard. Want more decorating tips, ideas and advice? Please Visit http://www.DIYHomeDecorating.com where you'll find articles about a variety of home decorating styles, outdoor decorating, decorating photos and much more!

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How To Get A mortgage With Bad Credit History

Not everybody has a perfect credit rating. There are countless reasons why people may have a less than clean sheet: whether it's bad financial planning, illness, redundancy or simple forgetfulness, just one little money slip-up can lead to a tainted credit record.

If you are looking to buy a property and need to get a mortgage but you have a bad credit rating, you may find that many of the more traditional high street mortgage lenders and banks will refuse you. To remedy this, the first step you should take is to try and repair your credit rating as much as you can before applying for a mortgage. To do this, you will first need to obtain your credit report and check it for accuracy. If you think some of the information is erroneous, contact the credit agency and get it amended.

If your credit report is accurate, but still bad, take steps to improve it. Consolidating your loans and setting up direct debits to avoid late payments will help to improve your score. Credit raters look at how you manage your debt and make their assessment based on this information. Regular payments will improve your ratings and, though it can take several months, if you stick to your repayment schedules, your credit rating will start to improve.

If for some reason you can't improve your credit rating any further, in many cases you will still be able to find a lender that will grant you a mortgage even though you have a bad credit history. Bad credit mortgage lenders will charge a higher interest rate than for regular mortgages, but the upside is that as long as you make your repayments on time, you will be able improve your credit rating. Be careful not to bite off more than you can chew - if you can't keep up with your loan repayments, you'll make your bad credit situation even worse.

When looking for a bad credit mortgage, make sure your shop around. A simple Google search will quickly reveal that there are dozens of lenders who are willing to give advice on adverse credit mortgages and lend to those with a less than perfect credit history, so it's a good idea to compare and contrast the different deals.

Ultimately, don't be ashamed of having a bad credit history. Many people in the UK and other counties are in the same situation, but with the correct financial planning, and help from a bad credit mortgage adviser, your credit history shouldn't become a barrier to purchasing a new property.

Elisha Burberry is a freelance writer who loves her job and the occasional glass of red wine.

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