Mistakes to avoid when designing your bathroom

Renovating or designing a new bathroom is a tedious undertaking which consumes both time and money. As a result when making designs for the bathroom, it is imperative that every decision you make pertaining to it be a well informed one. Failure to do this and you may regret the outcome of the entire bathroom. Over recent years it has become evident that many home owners are repeating the same mistakes when designing their bathrooms by not using shower panels. As a result, this article is meant to be a guide for prospective homeowners on the mistakes they should avoid while making decisions on the design of a bathroom.

  • Ventilation and lighting

When designing your bathroom, it is important to place much emphasis on the ventilation and lighting of the room. This is because, poor ventilation leads to the accumulation of humidity in the room. Accumulated moisture is a contributing environmental factor for the development of molds and fungus especially in the absence of natural light in the room. Hence, when allocating space for the bathroom it is important to make sure the room has a good ventilation system which allows free circulation of air in and out of the room. As for lighting; the room should have a well placed window which allows natural light to grace the room. If a window is not available, you can talk to your contractor about setting up skylights to serve both purposes.

  • Position of the bathroom

When designing a new home, the location of the bathroom is a common mistake people make. This is because they fail to place the room as far away from common areas such as the kitchen and living room. A bathroom should be located in isolated areas of the house where they are out of sight from the common areas. Imagine a situation where your bathroom is located near a common area such as dining room. Now imagine having guests for dinner and every time someone uses the bathroom, upon opening the door your guests will be struck with the view of a toilet and perhaps an unpleasant smell. Such a lay out can lead to embarrassing moments such as the one elaborated above.

  • Position of the toilet in the bathroom

Placing the toilet bowl in plain sight is another common mistake home owners make in their bathroom designs. For many first time homeowners, the toilet bowl is in plain sight upon entering the bathroom. Unlike a sink, a toilet bowl should be concealed and out of sight. If you consult a home décor expert, they will probably advise you to make sure the toilet is not in plain view. To make this possible, it is advisable to use a semi-wall to separate the shower and toilet area from the rest of the bathroom space or sink area. This will provide an efficient layout which allows multiple individuals to use the bathroom simultaneously without having to compromise for each other. For instance, one person could be using the toilet, while someone else is in the shower and another person shaving at the sink.

  • Conclusion

In a nutshell, the cause of the above mistakes is based on the mentality of image over efficiency. Many homeowners are too concerned about how their bathroom looks rather than how it can be organized to function as efficiently as possible. A bathroom is more of a utility than an ornament. Hence, always start with the floor plan arrange everything in a systematic manner in which you have in mind that the bathroom will not only serve multiple functions but it will also accommodate multiple users at the same time. With this in mind the design of your bathroom should be efficient and radically unique.

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How to Live Debt-Free: Tips to Help Eliminate Debt

Paying down debt may reduce the rates you could pay on future loans and save you a lot in interest payments

Making a long-term effort to pay down debt can eventually allow you to live more debt-free. With just a simple debt management plan, you can live debt-free.

Get the facts.

Collect all your account, loan and credit information. Order your credit reports from all three credit reporting companies and get credit scores to get a baseline for tracking your improvements. Next, write down your total monthly income and list your estimated monthly expenses that don’t appear in your credit reports (such as expenses you pay for with cash).

Do the math.

Calculate how much you usually spend paying each debt and how much interest that debt collects per month. Define which debts need to be paid down first. If you have available cash after paying all your monthly minimums, it usually makes sense for most people to pay down credit card debt and any other high-interest rate loans before paying off low-rate student loans and home loans. Ask yourself:

  • Do you have any debts with high interest rates?
  • Are there accounts above 35% of their credit limit?
  • Do you have any debts that are close to being paid off?
  • Do you have any debts with high annual fees?

Debt negotiation and debt consolidation.

Start working on those high-interest debts first. Call your creditors and negotiate lower interest rates or move your balances to less expensive credit cards. Accounts that are above 35% of the available line of credit can harm your credit score; pay off or move some of the balance to a different card. If you have a credit card debt that is too large to handle, your debt reduction plan might include a personal loan from your bank for the amount. Your bank may be able to give you a lower rate and a longer repayment schedule. Debt negotiation and consolidation can be a very effective way to help you live more debt-free.

After taking control of your credit card and small debts, take a look at your major loans. Would it make sense to refinance your mortgage? Investigate debt consolidation programs? What about refinancing your auto loan?

Your debt reduction plan.

Now that you have lowered your rates and refinanced your loans, create a payment schedule and a monthly budget. See exactly how much you can afford to pay each month by subtracting your expenses from your monthly income. Divide the remaining amount between the accounts, paying the most to the debts with the shortest terms and highest interest rates. Create a payment calendar with the due dates and the payment amounts you just calculated for each bill. Sign up for automatic bill payment through your bank or register for online payments. To stay on track, register for credit monitoring online and you’ll receive quarterly credit reports, credit alert emails and trending charts that outline how much your credit improves over time. Set goals for yourself and don’t forget to celebrate when you reach debt-removal milestones, and soon you will be able to live more debt-free.

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