Pay at Your Own Pace: How to Create Your Dream Space While Sticking to Your Budget

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Summer is a great time to refresh your space and a few key changes can make a big difference. If you’re dreaming of a new couch or some fun home accents, knowing where to shop can help you move those items from your wish list to your living room.

Below, we provide some tips and tricks to help you elevate your space without breaking the bank.

Look for Design Inspiration

When it comes to creating your perfect space, a little inspiration can help you determine what works best for you. Home decor websites and social media platforms like Instagram are a great starting point, especially if there are particular companies or influencers whose style you admire.

Creating a mood board is another great option and a helpful way to decide what type of palette works well for your space. If you’re looking to spruce up your bedroom, you may find that neutral or pastel colors create the right feel and they can help inform your other design choices.

With your color scheme in place, it’s time to think about a style of design that resonates with you. Whether you’re all about mid-century modern or farmhouse chic, knowing what to look for—and how to mix it up—is a good way to pick the right furniture.

Next, think about any fun accents you want to add—including wall art, wallpaper, or even plants to freshen up your space. These little touches are often affordable and can go a long way toward pulling a room together.

Assess Your Budget and Prioritize the Things You Want

Once you have a sense of what you’d like to buy, it’s time to look at how it fits into your budget. A simple way to do this is by listing out all the items you’ve identified and how much they cost. This can help you determine the total cost of your purchases and it can also be an easy way to prioritize the things you need most.  

If you already have money set aside for new decor, take a look at your shopping list and see how it compares to your budget. Depending on the items you’ve chosen, you may find that your savings are enough to cover the purchases. If you don’t have enough savings, or you’re looking to spread out the payments, financing your purchases could be a better option.

Choose the Right Financing Option

If you decide to spread the payments over time, finding a good financing solution can make a big difference. That’s where Affirm comes in. Designed to help you pay at your own pace, Affirm allows you to choose a payment plan that works for you.

Unlike credit cards with variable rates, Affirm offers transparent payment options and no hidden fees, so you’ll know exactly what you owe and you’ll never pay a penny more than what you agreed to upfront. Best of all, the process is simple. Shop your favorite stores like Target, West Elm, Pottery Barn, Article and more, then select Affirm at checkout. Enter a few pieces of information for a real-time decision, then select the payment schedule that works for you. You’ll be able to align your purchases with your budget, without incurring any extra expenses.

From new furniture to the right accents, upgrading your space can make it feel more comfortable. If done right, it doesn’t have to take a toll on your budget. By planning ahead and paying at your own pace with Affirm, you can buy the things you want and keep your finances in check.

Subject to eligibility. Payment options through Affirm are provided by these lending partners: