How to Decorate Your Home on a Budget

April 17, 2023 • Chris Bardsley

If you’re moving into, or have recently moved into, a new place, you’ll know how expensive and stressful it can be. In fact, moving house is considered to be the most stressful thing you can do.

The actual cost can be really high as well, making sure everything’s moved safely and securely comes at a premium. Not to mention all of the new furnishings, redecorating and other things you might have planned for your new home.

To help you keep the costs down and still get everything you need, we’ve compiled this list explaining how you can decorate and furnish your home on a budget.

Free things for your home

While you might typically expect people to be selling old furniture online, there are a number of websites dedicated to giving free things away, including…

As people have become more committed to reusing and recycling in an effort to live more sustainably. Some other websites have jumped on the bandwagon too, like the sites below, so there’s lots of choice when it comes to finding free furniture or decorations for your home.

These sites include a huge range of products, including furniture, enabling you to decorate and furnish your home without spending a penny.

Additionally, these sites allow you to post adverts requesting things too, so if you’re looking for something in particular, you can let people know what you want.


We’re big advocates of upcycling at Fair for You and believe this is a great, sustainable way of giving old or unwanted items a new lease of life.

Upcycling and getting free furniture or decorative items are really similar ideas, but with upcycling you can get creative, painting and accessorising your furniture and injecting new life into it.

The Community RePaint

If you’re looking to redecorate, the Community RePaint could be for you. Sponsored by Dulux, the Community RePaint aims to collect leftover paint and redistribute it at an affordable cost.

Paint can be expensive, so if you’re looking to redecorate on a budget, or to donate some of your own leftover paint, explore the Community RePaint scheme.

Explore the high street

How many times have you wandered into a shop for one thing and come out with several others? High street shops are full of cost-effective ornaments and decorations, with many also offering impressive deals and finance options that you can furnish your home with. These shops include:

  • Argos - with everything from appliances to decorative pieces, furniture sets, and more, Argos is a great place to start. They also have regular sales and savings events too, so you can often make some handsome savings.

  • Dunelm - another one-stop-shop for all of your furniture and decor needs, Dunelm has everything from adhesive tiles to zebra rugs.

Members of our Good Payers Club can apply for a Shopping Card which enables you to spend up to £350 at Argos, Dunelm, Currys, and more. Read Everything You Need to Know about the Fair for You Shopping Card here.

Shops like Home Bargains, Wilko, B&M, and more all offer cost-effective furnishings and decorations for your home.

Similarly, charity shops can offer a great selection too and although the goods they sell are second hand, they will still have been inspected before sale, to ensure they’re fit for purpose.

Spread the cost

If you need to splash out on expensive items, like wardrobes, beds or white goods like washing machines and fridges, spreading the cost is a great way of decorating your home on a budget; especially if you can’t afford to pay up front or if you need a lot of items.

Here at Fair for You, we’re committed to ensuring as many people as possible can access fair credit rates, regardless of their financial background.

Discover our full range of products here.

To see what your costs could look like, take a look at our loan calculator, which gives a detailed breakdown based on weekly, fortnightly, 4-weekly and monthly payment schedules.

We’re a community interest company too and are owned by a charity, so every penny we make goes back into helping our customers. Read more about what a community interest company is in our blog.

As well as information on how Fair for You works, we also have a number of articles offering tips on how to manage your money, including tackling the cost of living crisis, how to build and maintain a good credit score and how to earn vouchers and discount codes online.

This entry was posted in Home Interiors Inspiration, Budgeting Tips, Buying Guides and Blog
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