Bauhaus Design Residence Enclosing A Delightful Backyard: Villa Wiese In BerlinDaily Interior Design Ideas

architecture villa Wiese Bauhaus Style Residence Enclosing a Delightful Garden: Villa Wiese in BerlinArchitect and builder VolkerWiese has recognized his individual housedesign and styledream with a Bauhaus type residence with exterior HI-MACS® cladding that secures privacyfrom the outside while enclosing a delightfulgarden within a multi-façade, two wing style. For the keen nature lover that Wiese is, using acrylic stone for the exterior wall cladding was an obvious choice as all the materials utilised in this power effective structure are sustainable.
design villa Wiese Bauhaus Style Residence Enclosing a Delightful Garden: Villa Wiese in BerlinWiese settled on the website for his new task in the trendy but urban location of Berlin-Grunewald where he demolished a run-down submit war developing in a quiet cul-de-sac and went about developing his new two wing residence that secured his privacy from the outside with symmetrically arranged HI-MACS® panels, even though forming an intimate and sheltered courtyard on the within, with exciting planes and offset facades mixed with huge windows. From the greenterraces and Japanesegardens of the 1st floor the see above the courtyard with a largepond at the centre and only a glass panel separating the swimming location from the koi carp pond. [Pictures and information presented by means of e-mail by HI-MACS®]
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Design Tip – Make A Kitchen Island Float By Using A Dark Recessed BaseDaily Interior Design Ideas

Hey contemporist friends! Here’s something to think about if you’re ever working on the design of your kitchen. Thishome by architectMichael Patroni and interiordesignerSalvatore Fazzari has a good example of how to give a kitchen island a floatingeffect.

Instead of bringing the base of a kitchen island all the way to the floor, you can give it a recessed undercut, which on its own gives it a bit of a floating feeling, but then you can improve the floating effect even more by using a dark material on the base that contrasts with the light material on top. Now your island is floating!

Floating kitchen island

Floating kitchen island

Floating kitchen island

Floating kitchen island

Floating kitchen island

Architecture: Michael Patroni

Interior Design: Salvatore Fazzari

Photography: Joel Barbitta

Compact Kitchen Styles For Little Spaces – Everything You Need In 1 Single UnitDaily Interior Design Ideas

Compactkitchens modify the way we look at this distinct area of our property. Getting a big kitchen with everylittle thing you need to have is what any individual wishes for. But there is much morethan one way of getting function and getting useful and area is not always required. As you will see in these next examples, you can match a lot of functions in a small and compact design, a excellent way of conservingspace in a small kitchen.

This is a layout by New Zeeland organizationCompact Ideas. It occupies 1.8 squaremeters and consists of almosteverything 1 could need in a kitchen: refrigerator, dishwasher, microwave oven, coffee tends to make, stove, sink and plenty of storage. They all come in an appealing shell.

Miniki.

This compact kitchen unitfrom Miniki is best for small apartments in which the kitchen is portion of the residing space. It comes in 3 fundamental modules. The simplest a single comes with just a sink and some storage area. There’s also a model with a fridge and two cooking zones and yet another one which is a entirely-outfitted eat-in kitchen. They all come in a assortment of eye-catching colors.

Kitchoo Kitchen.

Here’s another compact layout, this time by Kitchoo. It’s an revolutionary modern kitchen, ideal for modestspaces. It has a compact wood physique and a natural stone counter top plus a two-burner induction hob, a sink with telescopic faucet, a fridge and two spacious drawers. If you want, you can also add a dishwasher and a variety hood.

Come with each other.

1 minute this is a compact unit and the subsequent a multitude of compartments and attributes pop out revealing tons of hidden functions. This style seems to be similar to a basic kitchen island but it can expand and turn into a diningregion for 4. The seat are hidden inside like all the other secret factors.found on designboom.

Carré

Customization is quite essential in any kitchen. German designers Robert Schierjott and Ulrich Kohl designed this kitchen unit which permits the customers to customize it in accordance to their cooking requirements. The entire unit will take up one square meter and it is manufactured of two modules which transform this compact cube into a spacious cooking location which includes a sink, a counter, a gas port and some storage.found on designboom.

Small kind.

Require a new island for your kitchen? Why select a standard model when you can be clever and conserve room with a clever layout like this one? This is Modest Type, a modular kitchen designed by Kristin Laass and Norman Ebelt. When closed. It occupies 1 square meter. Roll away the table to get additional dining room and get advantage of the refrigerator, induction cooktop, oven and storage spaces provided by the unit.

Stewart &amp Justin Situation.

Called Stewart &amp Justin Case, this mobile unit combines all the crucial kitchen aspects in one compact design and style. It was created by Maria Lobisch and Andreas Nather and it allows several different achievable configurations. The unit features a belt program which holds the aspects collectively. There are two various portions, one particular equipped with a sink, drying rack and a shelving program and another which serves as a dining table and prep surface.discovered on designboom.

Room saving.

How would you like to have a piece which can serve as a compact kitchen, guest room and office and which occupies extremely small floor room? We’re talking about this piece of foldingfurnishings created by Atelier OPA. It combines crucial furnishings in a small and compact unit without compromising on kind and performance. Unfold it and reveal a mini kitchen with a sink, prep surface, storage and every little thing else.

Minikitchen.

Created by Joe Colombo, the Minikitchen comes in the form of a large trolley and it combines a hob unit, a mini fridge, storage drawer, storage compartments, sockets, a chopping board and a pull-out worktop. It is like a series of puzzle pieces which come with each other completely.found on architonic.

Black Modern.

Here’s yet another great style which combines an extraordinary variety of appliances and attributes, such as a stainless steel worktop, a fridge with freezer, sockets, ceramic sizzling plates, microwave and a sink. The design is offered in a assortment of finishes and colors.

Though only one.7 meter broad, this unit provides a multitude of functions. It consists of a big prep location and plenty of storage hidden behind the by-fold doors. There’s also one more edition of the same model which also consists of complete cooking services in spot of the cupboard. You can locate it in a wide assortment of colors and finishes.found on website.

Traditional.

In situation you choose a more classical design, consider a appear at this unit. Behind those stylish doors you can uncover every thing you need in a kitchen, such as a fridge, oven, sink and lots of storage for utensils, plates, spices, and so forth.discovered on website.

Oma’s Rache kitchen.

The Oma’s Rache kitchen is quite amazing. It has an incredibly compact style which allows it to fold flat towards the wall. It looks like a white cutout and at the touch of the button it folds out and reveals a table, two chairs, a lamp and cupboards.identified on trendhunter.

Ecooking Concept from Clei.

This is Ecooking, a vertical kitchen idea created to allow you conserve space and allow you make the most of your electrical appliances. The modular unit can also be utilised for eating so it’s truly great for tiny spaces. The modules are little but extremely effective and practical and the colour is also extremely appealing.

On wheels.

Sometimes you wish you could just pack your kitchen and take it with you. Until finally not so prolonged ago that was nothing at all far more than a considered. Now you can truly do that thanks to types like this 1. This is a mobile kitchen on wheels by Calanc, perfect for outside cooking.

« Grandeur And Drama Combined In A New YorkCity Modern day TownhouseHow to Lay a FlagstonePathway in an Existing Lawn »Published by Simona Ganea in Kitchen, on June 20th, 2014

Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your ThoughtsDaily Interior Design Ideas

Each and every creating has a persona and the rooftop is one particular of its main functions. This means that the roof can be extremely critical in terms of creating your dream residence. You are most likely asking yourself why you must decide on a curved roof for your property. The answer is simple: curved roofs maximize the available interior residing area and they are much more aesthetic. See with your very own eyes!

1. Zaha Hadid’s Heydar Aliyev Centre, Baku.

23b9f  Heydar Aliyev Center by Zaha Hadid Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your Thoughts other

This impressive developing was made by Zaha Hadid Architects and seems to be the perfect place for any cultural actions. The irregular form of this building has turn out to be a tourist magnet.

0f0a2  Heydar Aliyev Center by Zaha Hadid1 Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your Thoughts other

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The undulating wall surfaces majestically rise in front of the tourists and, in accordance to Safet Kaya Bekiroglu, inspires the optimism of a nation that seems to the future. The developing embodies numerous places, which includes a library, a museum and a one thousand seat auditorium.

two. Shoffice, Platform 5 Architects

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Yes, certainly, this venture is as authentic as it sounds. Platform five Architects mixed two typical ideas (shed + office) and the result is totally incredible. Shoffice is positioned in the backyard of a 1950′s terraced house, London. The two skylights provide natural daylight, whilst the straightforward and classy design and style would seem to make function a lot more interesting.

three. Cloud Home, McBride Charles Ryan Architects.

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Folks believe the sky is the limit. McBride Charles Ryan Architects have a diverse view, so they built a cloud shaped residence and they also taught us a valuable lesson: it’s not always a undesirable factor to have your head in the clouds. The residence is found in Melbourne, Australia and has a pleasant welcoming seem. Here you can read through far more about this inspiring project. Get pleasure from!

4. Casey Important Guest House, Florida.

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Even if we are previously grownups and this calls for a particular level of maturity, some childhood pleasures or dreams will often remain in our minds. A tree home is certainly one of these dreams. This is not a tree residence, but viewed from a distance, it seems like one particular.

five. The Floating Residence, Portland, Oregon.

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Robert Harvey Oshatz describes his fashion as organic and green sustainable architecture. The spectacular form of this house brings architectural curiosity and the lovely curved ceiling has the identical dramatic result witnessed the two from the inside and from the outdoors. Just a simple seem and you’ll come to feel the peace and intimacy of this tremendous property.

6. Halo: Swedish Students’s Solar Decathlon entry.

94b3c  Chalmers University Of Technology Solar Powered HALO Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your Thoughts other

a5f2d  Chalmers University Of Technology Solar Powered HALO1 Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your Thoughts other

a5f2d  Chalmers University Of Technology Solar Powered HALO2 Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your Thoughts other

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Solar powered houses are becoming more and more well-liked and it’s not a surprise, taking into consideration the positive aspects. We must all use solar vitality in purchase to preserve a wholesome ecosystem. Halo’s primary construction is manufactured up of Swedish spruce and the roof is covered with cutting-edge photovoltaic technological innovation. Swedish college students encourage sustainability, but they also share an additional idea with us: shared area is double room.

According to Halosweden the circular shape of the property provides an organic communal room which fosters interaction and communication a space where residents can share, learn, and experience one particular an additional.

seven. The Arc Residence, Maziar Behrooz Architecture.

897e5  arc house maziar behrooz architecture Architectural Wonders: 12 Curved Roof Buildings That Will Blow Your Thoughts other

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Made for a couple and their two massive canines, this residence embodies all the characteristics you need and and also provides intimate space. The form of this home and the resources utilized(SIP panels, large termal windows, closed-cell foam insulation) are the primary causes why the energy utilization of this residence is considerably decreased.

eight. Shell Residence, Kotaro Ide.

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If you’ve ever wondered what it would be like to dwell in a seashell…well, it would most likely be very uncomfortable, but not this time. Kotaro Ide, a Japanese Architect from ARTechinc developed the Shell residence in the forest of Karuizava, Nagano, Japan. Though the exterior of this stunning property is made of reinforced concrete,the developing is in complete harmony with the surroundings. Who wouldn’t want to reside right here

9. Le Nuage (The Cloud) cabin by Zebra3.

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This mobile refuge is the best outdoor urban retreat in which you can easily disconnect from engineering (and by this we mean no electrical power, not even a water supply). Even though it does not seem to be really spacious, this cloud shaped cabin can host up to seven people. This may be a great decision for these who want to experience one thing new or to escape the each day program. The slanted windows supply normal daylight.

ten. The Dune Home by Min2.

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This three story Dune House was created by Min2 and is, in truth, their house and studio. Located in Bergen, in the North of Holland, this vertical creating is virtually invisible at times, due to the surrounding trees. The bathroom delivers a soothing and romantic scenery.

eleven. Nautilus Studio, Calico Studio.

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Occasionally we want an inspiring workplace to improve our creativity. One of Calico Studio’s clients required a related area, but she also needed to remain near to her family members and youngsters throughout work. This is how Nautilus Studio was born. The two a residence and office, this area is incredibly practical and provides adequate area for other household actions.

12. Lolomi residence by AA Studio.

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It is s not a mirage, the home is as genuine as it would seem and it is located in Sedona, Arizona, USA. Developed by AA Studio Architects, the residence has 3 bedrooms and a lovely view to the backyard pool and terrace. The wood barrel ceiling produces a soothing result inside of the Master Bedroom.

So, if you were to pick one particular of these spots to stay for a period, which one would you decide on?

« How to Incorporate Spring-y Pastels into a Grown-Up AreaPublished by Alexandra Belgun in Architecture, on March 4th, 2014

Style Emphasis | Muller Van Severen for KvadratDaily Interior Design Ideas

This year’s MilanDesign and styleWeek saw a sturdy contingent of earthy timbers, motley stones, and soft leathers, but there have been also individuals that took a leap in the other path presenting some brightly coloured collections. A single of which was Antwerp based textile firm Kvadrat with their &#8216Davina&#8217 project. We share the function of Belgian designers, Muller Van Severen, who were one particular of the 22 designers asked to design and style a a single-off piece for the set up.

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Share-Design-Muller-Van-Severen-for-Kvadrat-01

On demonstrate as component of the Milan Layout Week 2014, Kvadrat’s Davina undertaking invited 22 designers to develop a one-off piece of furnishings that reinterpreted fabrics of the Davina selection.

Doing work among the realms of artwork and layout, Muller Van Severen presented a daybed created from layers of the softly textured wool material. The Antwerp based duo, masterminded by Fien Muller and Hannes Van Severen, looked to the three distinct components of the daybed for the design – the place you sit, exactly where you lie and the cushion among the two – representing every part with a distinct colour.

The Davina textile assortment was created for Kvadrat in 1984, by a Danish painter and graphicartist Finn Skodt, and to this day is loved for the bold colours that make the assortment what it is.

Also portion of the exhibition had been designers Werner Aisslinger, Robert Stadler, Martino Gamper, Lindsey Adelman and Max Lamb.

See Kvadrat on Share Design and style

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Editor’s Christmas Listing: Muller Van Severen Cutting Boards

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Spots & Spaces | Kvadrat & Raf Simons Collaboration at Spotti Milano

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Historic Church in London Transformed Into Contemporary Home by Gianna Camilotti InteriorsDaily Interior Design Ideas

7756b  architecture project design Historic Church in London Transformed Into Contemporary Home by Gianna Camilotti Interiors
ArchitecturalbureauGiannaCamilottiInteriorsconverted a historicchurchinto a massivecontemporaryhome in London, UK. The architecture team kept the originalheritage features of the Victorian-stylebuilding with red brickfacade. Inside, the residence is distinguished by imposingwhitewalls, arched windows, columns and massive wooden beams. The 236 square meter-house accommodates an openplanlivingroom, kitchen, dining room, bathroom and two bedrooms. A cozy backyard with dining areaadds up to the excitement of this transformation.
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As you step inside, you are overwhelmed by the scale of this unconventionalmodern home, which seems to hold within remains of spiritual enlightenment. The colorpalette in black&white contribute to the majesticfeel. Modern furniture units in every room complement the historic architecture details of the project. The contemporary vibe is enhanced by a black poster depicting a skyscraper (one of the focal points in the living area) and the zebra-pattern rug. Strangely enough, all theseelements fit together harmoniously in an opulentdesignscheme. We would love to know your thoughts on this conversion project!
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Money Lessons Learned in My 20sDaily Interior Design Ideas

c27e0  6a00d8358081ff69e201b7c6e82c54970b 800wi Money Lessons Learned in My 20s cute things I am not a money expert. Never have been. And also, let’s go ahead and get this out of the way: money is sort of awkward to talk about, right? I think of it kind of like body image– we all think about it, it’s a part of all our lives, but it still feels kind of weird to talk about. And honestly, I can only talk about my own experiences and perspective. So, take that for what it is.

Despite the money weirdness, I wanted to share with you a few money lessons I’ve learned so far in my 20s. And I’d love to hear about your experiences and different perspectives as well… if you want.

1. Seek Advice and Don’t Be Afraid to Learn.

Like I said, I am no expert and I never have been. I’m okay admitting that. The truth is, numbers in general terrify me. I have always struggled with math (gradeschool through college). So when it came time to start thinking about my own personal finances, I was more than a little intimidated. And if I’m being honest, I still am at times! What has helped me most over the years is to try and approach it all with an attitude that is willing to learn. I seek advice, I ask questions, and I read articles and books on things like budgeting. It’s helpful. Two authors I’ve always enjoyed are Dave Ramsey and Suze Orman. So if you have no idea where to even start, try checking out one of their books from your library and see what you think. The more you read about these types of things, the more confident and empowered you will feel. You don’t have to know everything in order to make a good decision.

2. Build Credit Now.

I think it’s super easy to think about credit as this nebulous thing that you’ll need some day way far in the future. Credit scores are so mysterious, right? But the truth is, credit can be a little tricky to build. It takes time. And although it might feel like you don’t need it right now, you probably will need it sooner than you think. Having good credit is useful for a whole host of things from getting a loan to buying a car or house to credit check requirements for rental agreements (even renting a car!). Bottom line, it doesn’t hurt to have good credit. So, it’s good to start building it now.

There are lots of different ways to do this, and tons of helpful resources out there that you can research (and you should). But here’s the true story of how I built credit for myself, making it possible for me to buy a house when I was twenty-five. First off, I got a credit card when I was pretty young (like eighteen or nineteen). Sometimes this is referred to as your account mix, meaning how many lines of credit you have open. Having a few is good. Although I would not suggest this to just anyone, as having a credit card can have some bad consequences if you are careless. The secret is to pay off your balance (or the majority, like 90% of your balance) every month. There have only been probably 3-4 times over the course of the last ten years that I didn’t pay off my credit card balance in full every month. If you feel you are the kind of person who will overspend and then not be able to pay off your balance, then I would not recommend a credit card. They can be dangerous in the wrong hands, but honestly pretty useful if you can stick to a budget.

The second thing I did was take out a small loan to, again, have multiple lines of credit in my overall credit history at a young age. I think it was around $ 3,500 from my bank. During the summer before my last year of college, I had decided to utilize my university’s study abroad program. I spent a summer semester taking a few classes at the University of London while also checking out the city, and I got to visit Paris as well. I had never been to the United Kingdom or Europe before, and that was probably just about as educational as the classes I took. Anyway– I had saved up enough money to do the trip without the loan. But I had read (while seeking advice, my first point!) that taking out a small loan or line of credit and then paying it back is a good way to build credit when you are young. So I did it. I paid the loan back easily within the year (before I graduated). Yes, there was a small amount of interest that I ended up paying along with the initial loan (as that’s how loans work). But, because the loan was so small and I paid it back so quickly, it didn’t amount to very much at all. A worthwhile investment into my future credit score.

3. Avoid Unnecessary Debt.

Sort of the opposite of those two stories I just told you, right? Not really, well maybe, let me explain. I chose to get a credit card and take out that small loan because I had a plan: to build credit. And I knew I could manage those two little bits of debt. Debt that you are unsure you can manage is what you should aim to avoid. It sounds simple, but it’s SO hard to do! And there’s no clear cut way to do this. I have three challenges for you to think over though. Just a thought experiment.

First, and this goes back to the previous point, ask yourself if you really need a credit card. If you already have one and there’s some kind of promotional to sign up for another, do you really need it? It’s not bad to have multiple credit cards or to leave a little balance on your credit card each month. But do you really need all that? Credit cards tend to have fairly high interest rates, so once you get into a cycle of debt with it, it can be difficult to get out.

Second, if you want to buy something just for fun but don’t really have the money, ask yourself if you’d be willing to sell something in order to pay for it. That’s right. You really want a new food processor? (Now you know where my head was at in my early 20s.) Well, would you be willing to sell part of your DVD collection for it? Mainly this exercise helps me figure out if I really want something useful, or if I’m just in the mood to shop. Shopping for fun is fine if you have the money for that kind of thing, but if you don’t, it’s just a money suck.

Last, and this one’s tough, but I would challenge any young person to really think hard on their college choice before jumping into a school that will require them to take out loans (which is most schools unless you have scholarships or outside help). Educational loans tend to have the best interest rates out there, but even still, if you find yourself at the end of your college career with a degree you don’t really plan to use and a bunch of debt, you’ll be disappointed. Even though I absolutely think we should value education, you still have to consider the worth in perspective with what job options you’ll have when you’re done with your schooling.

Thanks for letting me ramble on about a few things I’ve learned in my 20s. So, what’s the verdict? Do you like talking about money? Wanna hear more? Or did you hate it and never want to hear about it again? I love talking with you guys about life stuff, but I also love hearing what you all think and want to talk about. Also, if you all have any lessons or personal stories you’d like to share, I am all ears. xo. Emma

Credits // Author and Photography: Emma Chapman. Photo edited withA Beautiful Mess actions.

I am not a money expert. Never have been. And also, let’s go ahead and get this out of the way: money is sort of awkward to talk about, right? I think of it kind of like body image– we all think about it, it’s a part of all our lives, but it still feels kind of weird to talk about. And honestly, I can only talk about my own experiences and perspective. So, take that for what it is.

Despite the money weirdness, I wanted to share with you a few money lessons I’ve learned so far in my 20s. And I’d love to hear about your experiences and different perspectives as well… if you want.

1. Seek Advice and Don’t Be Afraid to Learn.

Like I said, I am no expert and I never have been. I’m okay admitting that. The truth is, numbers in general terrify me. I have always struggled with math (gradeschool through college). So when it came time to start thinking about my own personal finances, I was more than a little intimidated. And if I’m being honest, I still am at times! What has helped me most over the years is to try and approach it all with an attitude that is willing to learn. I seek advice, I ask questions, and I read articles and books on things like budgeting. It’s helpful. Two authors I’ve always enjoyed are Dave Ramsey and Suze Orman. So if you have no idea where to even start, try checking out one of their books from your library and see what you think. The more you read about these types of things, the more confident and empowered you will feel. You don’t have to know everything in order to make a good decision.

2. Build Credit Now.

I think it’s super easy to think about credit as this nebulous thing that you’ll need some day way far in the future. Credit scores are so mysterious, right? But the truth is, credit can be a little tricky to build. It takes time. And although it might feel like you don’t need it right now, you probably will need it sooner than you think. Having good credit is useful for a whole host of things from getting a loan to buying a car or house to credit check requirements for rental agreements (even renting a car!). Bottom line, it doesn’t hurt to have good credit. So, it’s good to start building it now.

There are lots of different ways to do this, and tons of helpful resources out there that you can research (and you should). But here’s the true story of how I built credit for myself, making it possible for me to buy a house when I was twenty-five. First off, I got a credit card when I was pretty young (like eighteen or nineteen). Sometimes this is referred to as your account mix, meaning how many lines of credit you have open. Having a few is good. Although I would not suggest this to just anyone, as having a credit card can have some bad consequences if you are careless. The secret is to pay off your balance (or the majority, like 90% of your balance) every month. There have only been probably 3-4 times over the course of the last ten years that I didn’t pay off my credit card balance in full every month. If you feel you are the kind of person who will overspend and then not be able to pay off your balance, then I would not recommend a credit card. They can be dangerous in the wrong hands, but honestly pretty useful if you can stick to a budget.

The second thing I did was take out a small loan to, again, have multiple lines of credit in my overall credit history at a young age. I think it was around $ 3,500 from my bank. During the summer before my last year of college, I had decided to utilize my university’s study abroad program. I spent a summer semester taking a few classes at the University of London while also checking out the city, and I got to visit Paris as well. I had never been to the United Kingdom or Europe before, and that was probably just about as educational as the classes I took. Anyway– I had saved up enough money to do the trip without the loan. But I had read (while seeking advice, my first point!) that taking out a small loan or line of credit and then paying it back is a good way to build credit when you are young. So I did it. I paid the loan back easily within the year (before I graduated). Yes, there was a small amount of interest that I ended up paying along with the initial loan (as that’s how loans work). But, because the loan was so small and I paid it back so quickly, it didn’t amount to very much at all. A worthwhile investment into my future credit score.

3. Avoid Unnecessary Debt.

Sort of the opposite of those two stories I just told you, right? Not really, well maybe, let me explain. I chose to get a credit card and take out that small loan because I had a plan: to build credit. And I knew I could manage those two little bits of debt. Debt that you are unsure you can manage is what you should aim to avoid. It sounds simple, but it’s SO hard to do! And there’s no clear cut way to do this. I have three challenges for you to think over though. Just a thought experiment.

First, and this goes back to the previous point, ask yourself if you really need a credit card. If you already have one and there’s some kind of promotional to sign up for another, do you really need it? It’s not bad to have multiple credit cards or to leave a little balance on your credit card each month. But do you really need all that? Credit cards tend to have fairly high interest rates, so once you get into a cycle of debt with it, it can be difficult to get out.

Second, if you want to buy something just for fun but don’t really have the money, ask yourself if you’d be willing to sell something in order to pay for it. That’s right. You really want a new food processor? (Now you know where my head was at in my early 20s.) Well, would you be willing to sell part of your DVD collection for it? Mainly this exercise helps me figure out if I really want something useful, or if I’m just in the mood to shop. Shopping for fun is fine if you have the money for that kind of thing, but if you don’t, it’s just a money suck.

Last, and this one’s tough, but I would challenge any young person to really think hard on their college choice before jumping into a school that will require them to take out loans (which is most schools unless you have scholarships or outside help). Educational loans tend to have the best interest rates out there, but even still, if you find yourself at the end of your college career with a degree you don’t really plan to use and a bunch of debt, you’ll be disappointed. Even though I absolutely think we should value education, you still have to consider the worth in perspective with what job options you’ll have when you’re done with your schooling.

Thanks for letting me ramble on about a few things I’ve learned in my 20s. So, what’s the verdict? Do you like talking about money? Wanna hear more? Or did you hate it and never want to hear about it again? I love talking with you guys about life stuff, but I also love hearing what you all think and want to talk about. Also, if you all have any lessons or personal stories you’d like to share, I am all ears. xo. Emma

Credits // Author and Photography: Emma Chapman. Photo edited withA Beautiful Mess actions.