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CoziNest > Antiques  > Decorating on a Budget

Decorating on a Budget

Decorating on a budget can be quite a challenge, especially if your tastes are more of the champagne/caviar type and the budget is more of a Proscecco/cheeseball type. That is where I find myself. Mr. Cozi and I took a good look around our house over the weekend and decided it’s time for an update. We designed a fairly detailed plan of what we want to do in 2015, so I thought I would share with those of you who may have similar ideas for 2015. I’d love to hear how you plan for big changes on a budget. Our project went something like this:

Accessing our Needs

We toured the house, making lists in each room of what we want and/or need to update.

  • Lists of repairs needed.
  • Lists of accessories needed
  • Services needed, like stretching carpet in one bedroom, adding a tv and satellite service to another.
  • Upholstery, painting and lighting were added.
  • Storage or organization were part of the plan.
  • We also included things on our screened porch and landscape.

Prioritizing the Lists

Next, we went over the lists again and discussed how to prioritize each room.

  1. Living room/man cave have the #1 spot because these are the rooms where we spend most of our time.Living Room
  2. Foyer/Dining Room – first impressions are important.
  3. Kitchen/Pantry – Busiest room in the house.
  4. Office – better organization makes writing/bills/research more fun.
  5. Master Suite – a work already in progress due to a laundry mishap. I shrank our coverlet. Master Bedroom
  6. Powder Room – like most of our house, this room has lots of red, which is a color I am tired of.
  7. Tropical Guest Suite – just a few updates here. This room has sentimental value.
  8. Cottage Guest Suite – mostly finished, just a few additions.31 Days of Flipping Out
  9. Screened Porch – favorite room for at least 6 months of the year.
  10. Laundry – we’ve decided to make this our safari room in honor of our kitty. It’s also a great place to use accessories of a theme gone by.
  11. Exercise Room – Probably most important, but least liked!
  12. Landscape – our future outdoor room.

Exterior of Fairhope House

Creating the Budget

I discovered Crown Financial Ministries during the 90’s and we began the cash envelope system. It has been a true blessing in our life and our marriage. Then in 2006, I read Dave Ramsey’s Total Money Makeover and we’ve been using his suggestions since. As a result, our plan will include using cash only and only purchasing things when I have the cash in hand. We’ve decided to spend a certain amount from each paycheck, which will encourage me to buy only things that I absolutely love and to shop for bargains. I have a list of accessories needed for each room and will look for the best deals from some of my favorite shops. It is amazing the difference it makes to plan purchases this way. In my experience, credit card purchases have led to many more “buyers’ remorse” scenarios than when I spend cash.

I love a good challenge and there’s so much I want to do. I receive mostly praise with every project/job I do, but I still have my own insecurities. I love decorating. If you have suggestions for any part of this plan, I would love to hear from you. How fun it would be to decorate my house with friends I’ve made through CoziNest!

First plan of action is to update lamps and lamp shades. I’m off to find bargains. Next “Finishing Touches” post will be all about lighting.



  • Pingback: Lord, Teach Me to be Generous - CoziNest

    02/25/2019 at 12:33 am
  • Beckie Nash

    02/14/2015 at 10:41 pm

    I agree with Charlotte. Can’t think of a thing that needs changing. Your home is beautiful. I have an idea, use all that energy on mine. Boy, it could use a good fluffing, as I have heard it called, or I would be happy to take your items no longer needed. Just trying to be helpful!!!

  • Pingback: Lord, Teach Me to Be Generous

    02/01/2015 at 10:45 pm
  • Judy Pimperl

    01/20/2015 at 8:57 pm

    Kim, your plan sounds great. I like to make plans, lists, and buy pieces when I can afford to pay cash, too. One tip that I’ve found helpful is to put together a “story board” or box of snippets from the room you are decorating. That way you can be sure that you’re right on the mark with colors and not a little off. I did a blog post way back about my box that I keep in the car with me. Link http://judypimperl.blogspot.com/2014/01/snow-and-story-boards.html
    Also, I was in the Ross store at the Eastern Shore Centre today and noticed they had a lot of lampshades. I didn’t get a close look, because I wasn’t looking for a lampshade, but you should check them out. Their prices are always good!
    Can’t wait to follow your decorating journey.

  • Pat Dupre

    01/20/2015 at 4:43 pm

    U need to go to Big Fish Trading Company. They have moved to larger space

    On 98 near beach express. Great stuff reasonable prices. If you head there maybe we can have lunch..

  • Charlotte

    01/20/2015 at 2:21 pm

    Can’t imagine that you need to change a thing but can’t wait to see the unfolding. It’s always exciting to make our home more liveable, comfortable and, of course, attractive. Happy Shopping!

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