Yes, You Can Rock A Studio Apartment

When you’re fresh out of university and stripped of your toga, reality hits like a right hook. Budgeting may not be your strong suit, and neither would interior design be — unless it was your major. Still, despite the looming horrors of adulthood, sustainable wardrobe trends and forward-moving technology soften the blow. Living alone isn’t easy. Not everyone claims they can rock a studio apartment, but yes — it’s possible!

Home shopping is often exciting, especially if you’re moving into your first one. Though the funding department can often speak for itself, not everyone is particularly thoughtful when it comes to space. Photographic memory or none, measure your room dimensions. Furniture “looking small” is just about as deceiving as two-dollar fortune tellers. Know your apartment’s limits. Anyway, you do want to make sure you can push a bed frame through the door.

Once you have your basics down pat, pick out adjustable storage. Putting away your things in one place will not only be less confusing — it eats up significantly less space. Scout department stores that sell shelves that shrink and expand. That way, they’ll only cater to what you have at the moment, an amount that will likely fluctuate. Bonus points if you pick up a couch with drawers!

Smaller apartments also mean smaller rooms, if not just a single space. In this case, you’ll want pretty versatile fittings. Purchase items with several functions. Finding altering desks, couches, and even beds are surprisingly not too difficult a find. If you can hide them away after use, even better! After all, Transformers aired ten years ago. And on the plus side, your studio should, by default, feel a lot more futuristic.

Though it mostly goes without saying, buy only what is necessary. Decor is crucial to personalizing a home, but if you’re low on cash, keep it on the back burner. If you can’t afford a particular necessity, make it yourself. Get creative, especially with items that aren’t too intimate. Show off your wardrobe on a makeshift wall rack. Nowhere to keep your books? Make a shelf — out of books!

If you’re fussy about an area looking tight, play with illusion. Decorate with striped rugs to make floors appear lengthier. Paint your walls with light colors to reflect sunlight as opposed to absorbing it. Embellish your walls higher up, to give rooms a sense of height. Make things pop in however way you see fit. What catches your eye will likely catch others’ too, but avoid overcrowding! Larger and fewer ornamental pieces trump smaller and plentiful ones any day.

Most importantly, be resourceful. Your home isn’t a doomsday bunker — keep it comfortable. Figure out several ways to use a single appliance. If hitting the laundromat or local diner is a simpler option, go for it. Home will always be there to welcome you back, mansion or not.

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Finance Budgeting 101 For Fresh Grads

Let’s be real. Finance budgeting when you’re a fresh university graduate is not anyone’s strong suit. Stepping into the real world often entails instant noodles and being perpetually broke. Of course, this isn’t to say that young adults can’t learn how to spend wisely.

Before making any plans, it’s most important to figure out your money goals. Where do you want your money to go? What is valuable to you? In university, money probably meant restocking your dorm with essentials and having enough for a night out. With independence comes a change in priorities. There are a lot of things to consider that are no longer your parents’ responsibility.

While outlining a budget may seem simple enough, there is always room to educate yourself. Resources on personal financing are available on pretty much any platform — whether as a YouTube video, article, or book. Collate as many tips as you can and see what money-saving methods can potentially work best for you.

At this point, you’re a step closer to actual budgeting, but not before setting short and long-term objectives. Think about what you are saving for in the next few months to the next few years. In terms of immediate goals, are you looking to purchase a car or perhaps fund an apartment? In the long run, do you picture yourself having children? The future can be unpredictable, but knowing what you want, even a decade early, is a good source of motivation.

Now for a long-awaited moment — making a budget. Understand your cash inflow and outflow. Know where your money needs to go and how much. Online tools can help paint a clearer picture on how much to set aside for rent, transportation, food, leisure, health, and everything else. Be specific, as you are basing this on a monthly income.

Insure what you can. As a fresh graduate, insurance may seem frivolous, or something you simply can’t afford at the moment. But when hospital bills start rolling in, you’ll thank yourself for being insured. If your job doesn’t offer such benefits, consider self-insuring. Either way, seriously consider plans with good coverage.

Because adults have them, you’ll probably also want to apply for a credit card. Doing so will allow banks to grant you credit scores (if you’re a smart spender) and, in turn, make you eligible for loans. In order to keep up appearances, you’ll want to always pay your bills on time and avoid being indebted whenever possible.

On the occasion you have extra money to spend, treating yourself is tempting. By all means, you should do so — but within your financial capacity. Remember to always prioritize. Spend in cash because it is easier to remain disciplined. You can’t see what you are spending on a credit card. Limit yourself and ask: do I really need this? If you can live without something, don’t purchase it.

Money is not always fun, especially when you are lacking it. But being smart about it makes everything a lot easier. Bidding a sheltered college life goodbye may seem incredibly daunting, but experiencing a smooth transition into the working world is always possible. Generally, hard work and research always pays off.

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