Your first apartment is a very exciting venture into adulthood and independence.  It is the first time that you are free to control your own space and show your creativity and unique style through how you choose and layout your living space and décor.  The only problem is, many of us who have had our first apartment experience at a young age were not exactly able to afford to be too expressive of our individuality and newfound freedom.  Here is a list of 49 posts that will help with decorating your first apartment without emptying your wallet.

Everyday we hear and read stories of homeowners and renters who have attempted to make improvements to their homes structure. Some decide they would rather tackle the inside and redecorate. There are many success stories but there are just as many horror stories to tell. Many home makeover remorse stories come from homeowners who are serial decorators and purchase unnecessary items for their dwellings. Other homeowners end up hiring shady and unprofessional contractors who can create a complete nightmare for them.

Home improvement projects can go badly very quickly. Most people find themselves ready to punch the wall or give up on the project when they see their wallets getting smaller and nothing has been accomplished. Homeowners do not have to be remorseful if their makeovers are completed in a sensible cost effective way. It

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How to Save Money on UK Home Insurance – Photo by playboy There are specific ways you can lower premium costs for home insurance. Security, crime prevention groups, higher excesses and smart shopping can all help.

If youre looking for new home buildings and contents cover, it may be tempting to simply shop around, find the lowest quote and buy that. This may save you some money. But, if you really want to access discounts and reduce your overall house insurance costs, you may need to think smarter. How can you cut your premiums?

Good Home Security Equals Lower Insurance Costs

If you increase security in and around the home, you make it harder for criminals to break-in.

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How do Burglars Target a Home? – Image by immrchris A report commissioned by Halifax Home Insurance polled burglars to learn more about how homes are targeted for theft. What do criminals look out for?

A report released by Halifax Home Insurance in March 2011 used the attitudes and opinions of criminals about to be tried for burglary convictions to learn more about how homes are targeted for break-ins. What do burglars look for and what will put them off trying to break into your property?

Using the Criminal Mind to Deconstruct Burglary Habits

This report used a variety of techniques to try and establish how criminals target homes.

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Rent to own homes are a great way for some individuals to buy their homes. Many times they can not gather up or afford a down payment so this is a way to do that. Although this can be a great option it does have it’s drawbacks. Take a look at these blogs to find out the great sides and also the not so great sides of rent to own homes. You can sometimes get more home than you might not have thought possible. There are some opinions that you will pay more over time for the house than if you buy the home on a mortgage. See for yourself and make the decision on whether you want to rent to own or try a mortgage company.

1. Rent to Own Homes- How Does it Work: Find out how rent to own homes actually work and what you need to know before doing this yourself.
2. Buying vs. R

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Disaster Insurance is still covering losses and reinsurance covering insurance, but there is advocacy for disaster preparedness including from Canada’s ICLR

At a St. Patrick’s Day party of all places, I happened to strike up a conversation with an adjustor for State Farm insurance. It turned out he was in charge of managing disaster claims, and that his territory was North America. Since the world had been experiencing a rash of disasters I idly asked: “So, which areas of North America are the worst… produce the largest number of insurance claims? Flooding… The Mississippi… St Louis area…?”

He paused, and then replied. “Well,

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