All posts by Dave Gray

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Outdoor Living Areas are becoming more popular and designers are building beautiful spaces

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Outdoor Living Areas are becoming more popular and designers are building beautiful spaces

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Designers involved in outdoor living areas are seeing an increase in their volume of outdoor living projects compared to pre-COVID.

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Homeowners are upgrading or creating new outdoor living spaces that include outdoor kitchens, patio/deck areas or screened-in porches/three-season rooms.

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Top homeowner needs for outdoor living areas include an enhanced seating area, outdoor kitchen, fireplace/fire pit and protection from the weather for extended usage.

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How Designers Impact the Health of their Clients

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How Designers Impact the Health of their Clients

By Linda Kafka, WELL AP, CLIPP, CAPS
August 2021

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The successful architectural and interior design of today and tomorrow largely depend upon the health and wellness of its users. If the pandemic has taught us anything, it’s the benefits of family and moreover, their health and well-being. And who better is it in the hands of if not architects and designers? To support this, Dr. Claudia Miller from the University of Texas School of Medicine stated, “Architects and designers have a greater ability to improve public health than medical professionals.” Designing for well-being offers a preventative approach to good health that helps offset the need for medical intervention by lowering stress and increasing serotonin.

The urgent need to think about the future begins today. Whether it is about the neuro aesthetics aspect of a space, sensory design, or designing for progressive conditions like dementia. Designers have the potential to think beyond a mere box to solve worldly problems—especially in the present era where the sense of being, thoughtfulness, and wellness are primary. From stepping into the clients’ shoes to understanding their needs, requirements, environment, and community simultaneously—the designer’s role plays quite far beyond.

There are numerous ways a designer can play with space that can help improve the health and wellbeing of its users. First and foremost being the incorporation of biophilia and direct connectivity with nature. There is a certain sense of calmness from the natural elements that hit the neuroreceptors of the brain that helps calm down the person. The idea of connecting to nature by spending time in the forest—Shinrin Yoku or forest bathing—has been prescribed by Japanese doctors since the late ’80s. We also know that doctors in Canada have been authorized by their governing body to prescribe trips to museums, art galleries and design centres to reduce stress instead of prescribing pills. Thus, thoughtful, innovative design through the use of natural elements or the use of biomimicry (the design and production of materials, structures, and systems that are modelled on biological entities and processes) can shape how we feel and what we experience within a physical space. Apart from this, focusing on factors such as natural light and playing with the scale and perspective of space can further enhance the appearance.

Universal design is another important aspect that needs utmost attention. Since this concept follows the principles of equality—it offers a solution for everyone on the planet. Whether temporarily disabled or permanently, the designer must look through their eyes to design an empathetic yet sensory space. Moreover, there are certain colours and patterns that intrigue a human brain—for instance, reds have been known to symbolize anger and energy, while blue symbolizes calm and peace. While there is no definitive scientific evidence that colour heals, we do know that colour affects behavior. The colour of a space is just one factor that contributes to a person’s mental health, but it is an important one, says Dr. John Ziesel, author and President of Hearthstone Alzheimer Care. “The designed environment plays a role in learning, remembering, feelings, relating to others and behaviour,” he adds.

Diving further into the details, material specifications further help spruce up a space in terms of healing and wellness. Mainly, contribution towards air quality standards and banning materials like asbestos, and reducing exposure to formaldehyde (especially in furniture) may lead to a healthy environment. Abiding by the Public Health standards (whether from Canada or the US) and maintaining minimum requirements in terms of VOC limits for interior paints, coatings, adhesives, sealants, insulation and even flooring used—a designer can help foster a clean and healthy environment.

Furthermore, apart from VOCs, designers must keep in mind ample ventilation, humidity control, and even a cleanable environment. Mainly, avoiding the use of wall-to-wall carpeting and only using materials that have hard surfaces with easier cleaning abilities. Another way one can design for wellness is by considering the aspects of sound and light in a building. In the commercial sector, there is a requirement of compliance with local requirements. However, there are no compliances for lighting and sound when it comes to the residential sector. Therefore, it is a must that the designer uses best practices and can draw upon the commercial sector for ideas. In addition, designers should consider ergonomic not only in furnishings but in other design elements such as counter heights, adjustable desks and so on. This can both give long-term benefits to its users. Hence, undoubtedly, a designer has a bigger role to play in impacting the health of their clients. After all, they have the ability to see through the health and wellbeing lens to improve their client’s health.

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Kitchen+Bath Canada Expo holds a Productive Planning meeting to finalize the Conference Program

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Kitchen+Bath Canada Expo holds a Productive Planning meeting to finalize the Conference Program

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Great insights from the industry experts will shape the success of the conference this coming October.

July 22, 2021 – Improve Canada Centre – Vaughan, Ontario – Leaders from the Kitchen, Bath, Stone, and Lighting industry gathered today at Improve Canada to discuss the final planning of the Kitchen+Bath Canada 2021 Conference program. The meeting consisted of industry experts from interior designers, stone fabricators, lighting and supporting associations such as NKBA-Ontario Chapter, IDC (Interior Designers of Canada) and Illuminating Engineering Society.

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The meeting discussed various areas of concern that the experts addressed, which included the need for further education and training for the workforce with more regulated guidelines to ensure the sustainability of a variety of professions in the Kitchen and Bath industry. Safety and accountability in stone fabrication and lighting were among the key concerns of the industry.

The call for speakers will begin after the 2nd week of August and after the advisory committee, members hold their final meeting to confirm the final session and its related topics.

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To become a speaker, visit: https://kbcexpo.com/become-a-speaker.html

Kitchen+Bath Canada | Exhibition and Conference 2021 is scheduled to be held in Toronto Congress Centre from October 27 – 29.

For more information, visit kbcexpo.com

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IDC celebrates Indigenous Interior Design and Designers

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IDC celebrates Indigenous Interior Design and Designers

By: IDC staff

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Wanda Dalla Costa

Wanda Dalla Costa

Founder and Principal of Tawaw Architecture Collective and Professor of Indigenous Architecture at Arizona State University.

Wanda Dalla Costa is a member of the Saddle Lake Cree Nation and is the first First Nations woman to become a registered architect in Canada. As a leading specialist in Indigenous design, Wanda has dedicated her career to developing culturally responsive design and built environments that serve as a teaching tool for traditional knowledge. Through her extensive travels, Wanda observed populations that were able to reconcile contemporary architecture and cultural lifeways. Her mission is to build a conversation around those often invisible and life affirming aspects of culture that serve to instill meaning in the built environment.

Valerie Gow

Valerie Gow

Co-founder of Gow Hastings Architects.

Valerie Gow’s work on several projects completed alongside Two Row Architect (Indigenous Design Advisor), has provided her with a nuanced understanding of cultural elements to be incorporated into the design of Indigenous spaces. The firm’s current Indigenous design work includes the Spirit Garden Indian Residential School Survivors Restoration of Identity Project at Nathan Phillips Square. The project, set to begin this fall, responds in part to the Truth and Reconciliation Commission of Canada Call to Action 82, for governments to commission and install a monument in each capital city to honour residential school survivors and all the children who died.

Linda Makins

Linda Makins

Principal of MAKINSACHANGE Creative Environments Inc.

Linda Makins is the great-granddaughter of Sagamaw Geodol (Chief) Noel Jedore of the Mi’kmaq of Miawpukek First Nation in Conne River, Newfoundland. Her approach to design is not about aesthetic but about correcting imbalances and creating harmony within space. Her relationship with clients, suppliers, and contractors is centered on mutual respect, communication, and kindness. Linda is a past president, current IDC Fellow, and member of the IDC Foundation board.

Tessa Piapot-Christopher

Tessa Piapot Christopher

Intern member of IDC, with a Bachelor of Environmental Design degree from the University of Manitoba

Tessa Piapot-Christopher is a member of Piapot First Nation and currently works for P3Architecture Partnership in Regina, Saskatchewan. She began her career in residential home design and produced award-winning, new-residential home designs. Identifying as Indigenous and Black, Tessa brings a unique perspective to her work. She is passionate about increasing diversity and inclusion within the design community and is committed to working closely with Indigenous communities.

Keshia Caplette

Keshia Caplette

IDC’s Vice President and Indigenous Task Force Lead

Keshia Caplette is a Métis interior designer with an inclination for healthcare design. With over a decade of experience in the architectural, interior design, and construction industries, she has been involved with projects in various sectors. After undergoing brain surgery in January 2020 to remove a tumor, Keshia’s desire to strengthen the experience of our medical facilities has only expanded. By rethinking and recreating the spaces we surround ourselves with, Keshia believes we can transform our day to day and bring a little bit of light to the world.

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Your Decor Studio – Increase Upgrade Sales with Your Homebuyers

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Your Decor Studio – Increase Upgrade Sales with Your Homebuyers

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Point blank, your design studio exists to drive sales and increase profitability. You may have all the tools you need to succeed, but still aren’t seeing the results you want. This is likely because of one simple factor: the strength of your design consulting team. Having the best products in the industry doesn’t mean anything if you don’t know how to sell them. Influencing your homebuyers by creating desire around the Decor Sales Program and helping them to follow through on their design choices is critical to your success.

Establish Amazing Customer Service

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One of the best ways to increase your sales with your homebuyers is to ensure that they will be receiving concierge-level customer service with every interaction. By treating each of your homebuyers with personalized care and attention, it will become clear that you are dedicated to their satisfaction. Consider the following steps to create a culture of top-notch customer service:

  • Authorize trust. By creating a purposeful program (well documented), this clearly identifies the available choices for their home. Provide transparency and always deliver on your promises.
  • Be an excellent listener. A large part of being a good communicator is knowing when to listen. If you aren’t properly listening to your homebuyer, you might miss out on a sales opportunity.
  • Ask the right questions. The best way to guarantee a great customer service experience is to ask specific questions catered to each individual homebuyer. Since every project is different, they should be treated as such.
  • Know your products. By having strong product knowledge, you will be able to explain the benefits behind them and how they will impact the lifestyle of a homebuyer.

Increase your Decor Sales

OD_newsletter_upgrade_sale_3Establishing an understanding of top-notch customer service comes with knowing how the human brain works and processes its buying decisions. In a design studio setting, the consumer makes purchase decisions initially through emotional desire, and secondly through logical reasoning. Meaning, your design studio consultants should cultivate an education of turning features into desires and encouraging your client to complete that purchase. Smart strategies such as gaining trust and asking thorough questions are a great way to positively influence your clients.

A thorough knowledge of the products you are selling is equally as important. By knowing the options, you are offering inside and out, you are creating an airtight process of turning curious consumers into sales upgrades. Buyers want to know that you care about what you are selling. Your design consultants should create a healthy blend between product knowledge and driving homebuyers to a position of commitment.

In Short

Understanding how your homebuyers are influenced is crucial to seeing increased sales and better profitability—it doesn’t have to take years of intense training to achieve success. By giving each homebuyer the attention they deserve, being an expert on your products, and developing methods to drive their desires into commitment, you’ll gain increased profitability through your design studio.

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4 fall home projects

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4 fall home projects

One of the best things about Canada is the changing seasons. Behind us are the dog days of summer, and ahead are cool evenings, changing colours, cosier clothing and seasonal scents. The arrival of fall brings a new focus, and it’s rooted in the preparation of shelter for the winter that blows in behind it. Let’s break down the best projects to consider for the new season.

Address your envelope

Windows and doors will soon be closing. Fresh air, however, is a year-round need inside all buildings, including your home. Warmer air is soon to be a need as well. This is the perfect time to schedule a furnace inspection and tune-up, duct cleaning, and open up and clean out your ventilation fans and dryer vent to ensure that things are free-flowing and operating as they should. Don’t wait until you need the heat, as then it might be too late. If your home has an HRV or ERV, now would be a good time to begin rerunning it to ensure fresh air exchange to the benefit of your entire family. With the cooler weather, reflect on how the previous winter was at your home. Perhaps an energy audit by a certified adviser, or a top-up of your attic insulation, may help make things more comfortable this year.

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Regular exterior maintenance

The dry summer months will give way to moisture. Eaves troughs, downspouts, window and door caulking, shingles, positive grade sloping and sump pump/backwater valve checks are a must at this time of year, in preparation for the increased moisture for the following three seasons. Make sure everything is operating freely and avoid having to fix a problem in a flood, or when it’s freezing outside. Watch for those frost events that can come up quickly, to cover sensitive plants and shut off hose bibs to avoid freezing.

Foundations

Fall typically marks the end of installing new foundations for additions or custom homes. It’s the perfect time to get them in the ground, allowing you to build over the winter and get ready to move in when the weather is nicer. If you can’t get going now, this also marks the best time to firm up your foundation plans for spring. With summer’s busy schedule out of the way, the kids are back to school, and our desire to get work done can help us set forth our plans and commitments to improve our homes in the coming year. It all starts with a plan – and now is the best time to convert those ideas and dreams into concrete actions.

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The season extending essentials

Pergolas, portable heaters, fire pits and cosy throw blankets, infrared or wood-fired saunas and hot tubs can all help to keep your core warm, allowing you to still enjoy the outdoors in the fall. It is officially cuddle season, too, so snuggle up and soak in the last few days and nights where it is truly comfortable to sit and relax outside. Last year, patio extending products were in record demand, so move quickly if you don’t want to be left out in the cold.

If you want help to design and build your own perfect space, remember there is real value in working with a professional to design and execute it, and professional associations such as the Ontario Association of Architects and renomark.ca, the home of the professional renovator, are great places to start your search.

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Brendan Charters is a Founding Partner at Toronto design-build firm Eurodale Developments Inc., the 2020 BILD Renovator of the Year. eurodale.ca, @eurodalehomes, 416.782.5690

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Trend watch – Beautiful Brown

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Trend watch – Beautiful Brown

I know what you are thinking. Brown? Really? I am here to tell you that it’s now time to banish those boring brown thoughts and focus on how this colour of yesterday can modernize your space today. Yes, it’s a classic decorating colour and one with a rich spectrum. From light almond and copper to a dark espresso bean colour, brown is versatile, striking and a fresh alternative to black, grey or navy. It’s a neutral hue that pairs well with a variety of bolder colours such as cobalt blue, olive green and pink (a la our front cover). Or if you prefer to keep your interiors simple, accents of cream and gold will do the trick. Have I won you over yet? Here are my top lifestyle finds in the bountiful variant of brown.

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Edison’s tail suspension large PENDANT LIGHT in copper. $7,803. lightformshop.com
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Natya wood SIDEBOARD. $1,299 mobilia.ca
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Washed cotton DUVET COVER SET in brown. $70. hm.com
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Chunky wool/jute RUG in natural. From $325. potterybarn.ca
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Metal VASE with handles in matte rust by Bloomingville. $89. indigo.ca
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Irregular stoneware SOUP PLATE. $23. zarahome.ca
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Enwork PAINTING on canvas. $800. mobilia.ca
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Cover LOUNGE CHAIR in stained dark brown by Thomas Bentzen. $1,090. finnishdesignshop.com
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PAINT in glamping. $69. digbypaints.com

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Home Etc. – Home Finds – Colour Combinations

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Home Etc. – Home Finds – Colour Combinations

Are you afraid to decorate with colour? I hear you. Too much colour in a room can hurt the eyes, while not enough can be dull. It’s about striking the right balance. If you want to infuse colour into a space, start small by choosing bold hues in accessories and textiles such as pillows, throws and area rugs, which can easily be switched out. Cool colour combinations can really bring a room to life. Check out the following pages for our favourite living room combos for 2021.

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Avec apartment sofa with brass legs. $2,499. cb2.ca

Colour Combos:

Dark green, Gold & Pink

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Five-tier shelf, tempered glass BOOKCASE with steel frame and arch design by Everly Quinn. $319. wayfair.ca
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CUSHION COVER with tassels. $35. hm.com
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Benson SOFA in unger green tweed. $2,530. casalife.com

 

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Geometric TABLE. $269. zarahome.ca

 

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Monarch specialties OTTOMAN. $88. walmart.ca
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Invandig artificial TERRARIUM DOME. $7. ikea.ca
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One-light halogen LAMP with aged brass. $149. homedepot.ca
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Nantu area RUG. $349. mobilia.ca
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Burst wall MIRROR. $1,116. elte.com
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Clemence green VASE. cb2.ca

Orange, Cream & Teal

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Distressed Nadine RUG. $420-$2,100. westelm.ca
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SALONG IN VASE, light turquoise. $7. ikea.ca
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Finesse II WALL ART. $119. urbanbarn.com
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Berkeley SOFA in dolce cream leather. $7,642. casalife.com
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Mongolian snowy round TOSS CUSHION in pacific. $79. urbanbarn.com
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Iko BENCH in green. $89. structube.com
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Silk mono stripe PILLOW COVER in natural. $75-$149. westelm.ca
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9602 FLOOR LAMP by Gubi. $1,905. lightformshop.com
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Wellsboro linen-look fabric ACCENT CHAIR in orange. $280. furniture.ca
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Horseshoe ivory lacquered linen rectangular COFFEE TABLE. $1,299. cb2.ca

Navy, Black & White

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Belize pendant LIGHT. $236. eltemkt.com
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Vintage arch MIRROR. $567. potterybarn.ca
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Sven LOVESEAT in Cascadia blue. $1,799. article.com
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Stinamaj THROW. $20. ikea.ca
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TV stand in matte black. $469. furniture.ca
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Spoke marble graphite metal coffee table. $619. crateandbarrel.ca
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Ren large PILLOW. $89. article.com
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Medium gold edge agate COASTERS. $224. bedbathandbeyond.ca
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Power loomed serpent black and white area RUG by Thomas Paul. $333. lowes.ca
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Byron CHAIR. $695. eltemkt.com

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Looking In: Eight Different Types of Windows for Home

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Looking In: Eight Different Types of Windows for Home

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If you plan to get your home renovated, then you must implement classy window designs. Windows top the list of most essential installations in the home, so they must be both functional and stylish. There are endless options that are available for you to choose the best windows for your home, and there are multiple factors you need to keep in mind before doing a window replacement in your home.

Some of these are:

  • Consultation with the architect.
  • Precise measurements.
  • Professional installation.
  • Easy on budget.
  • Should meet the requirement of the area.

Why is it so important to choose the right windows for your home?

When you think of getting your house windows replacement for your new home then many factors should be thought upon. Must look for a style that matches the architectural layout of your house. This will help in better coordination of your house theme with the windows.

You must consult for the best type of material for your windows. This will help in longer durability according to the type of climate of your area. Be mindful of the purpose of window installment. Make sure that the windows fulfil the needs which are most important to you including the ventilation, light or interior adornments.

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Here are the eight types of windows for your home that you should know:

1. SLIDING WINDOWS: Sliding windows are really popular these days. These windows come with a great variety of modifications and styles. The sliding windows consist of two main sections fitted in the same panel.

One section slides over the other horizontally thus the window opens or closes.

These windows are usually installed in large sizes and by extension, can be costly. They are convenient to open and close and can be a perfect fit if you want to replace windows in your home.

These windows require low maintenance as they use competitively lesser parts. Furthermore, the sliding windows are feasible to open or close and require less effort than other types of windows.

2. AWNING WINDOWS: These windows are hinged and open in an outward direction. Therefore, the awning windows are ideal for areas with excessive rain. The awning windows will let you enjoy fresh air and light in your home even when the weather is harsh with heavy rainfall. They slide away from the rainwater effectively—there are no chances of water leakage inside your room or office. These also come in various sizes and fittings.

The awning windows are best to be used on high walls for a better view. They offer a sophisticated and minimalistic design along with a contemporary look.

3. SINGLE HUNG WINDOWS: Single-hung windows are excessively used in homes. These are considered to be a perfect choice if you want to replace your old windows. The single-hung windows come with a vertically upward-moving section and an upper stationary sash.

These are cheaper than double-hung windows and provide adequate ventilation efficiently. The single-hung windows can be made of different materials including wood, vinyl, or fiberglass.

4. DOUBLE HUNG WINDOWS: Double-hung windows are slightly similar to single hung windows with a difference that both the upper sash and lower sash are moveable. These can be tilted for improved ventilation and easy maintenance. Most people prefer these over other conventional windows because of the better functionality and feasible cleaning.

5. BOW WINDOWS: These are attractive types of windows that give an aesthetic vibe due to the beautiful curvature. These are also called compass windows and are best for a wider view of the exterior scenes of your garden.

These windows are an important part of luxurious resorts and houses. They are recommended by many architects due to their unique and innovative designs.

The bow windows can be installed depending on the curved architecture of a home or a restaurant. These windows give a spectacular exterior view and ultimately add to the beauty of the home.

6. PICTURE WINDOWS: These windows are a perfect choice for people who have great mountainous or natural views outside the home. The picture windows are generally huge, and they do not open.

The windows can be installed to enjoy the outside views from your home while providing privacy. They are easy to maintain as they do not have many mechanical parts. You can choose a size according to the measurement and a style of your choice. The picture windows consist of huge glass, so they allow a lot of light to brighten up your living area.

7. TRANSOM WINDOWS: If you want to light up the entrance of your home, then transom windows are the best fit. These windows are normally placed above the door to adorn the entrance of a room or hallway.

The transom window offers a perfect passage of air or light and they look really attractive, too. These are easily available and have a lot of history. They are easy on the wallet and can be a worthwhile addition to your home.

8. GEORGIAN WINDOWS: This is the most iconic style of windows for a classy and vintage look. Georgian windows were traditionally used in historical buildings, and thus add a taste from the past.

These usually come with six or more glass panels separated by delicate bars. Georgian windows are the best to adorn your home due to the ideal look they provide. You can get these custom-made in unlimited styles and sizes. If you are looking for some iconic window designs, then Georgian windows have got you covered.

It is really important to choose the best type of windows for your home to fulfil your needs. Do adequate research about the windows you want and take complete guidance from an architect. Ensure the quality of the material you are using for the windows for greater durability.

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Financing 101: What Is A Good Credit Score in Canada For A Mortgage?

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Financing 101: What Is A Good Credit Score in Canada For A Mortgage?

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It may so happen that you fall short of cash when you set out to make a huge investment. That’s when you might need to opt for a mortgage loan. One of the most important things to consider when it comes to loans is your credit score. Without a good credit score, getting a loan in any Canadian province is very difficult.

However, the notion that you need to have a good credit score to get cheaper loans is pretty vague. You must know the exact credit score that is required to apply for a mortgage. If this is something you are looking for, read until the end to find out everything about credit scores for mortgages in Canada.

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Importance of A Good Credit Score

The importance of a good credit score is unfathomable. A good credit score serves the two most important purposes when it comes to mortgage loans.

  • A good credit score helps you qualify for loans and reduces the chances of loan rejection.
  • A good credit score also ensures that you qualify for lower interest.

When it comes to managing one’s finances, everybody likes to get discounts and thereby save on investments. You will be viewed as the low-risk party by the loan provider if you have a good credit score. This will help you qualify for a cheaper interest on the mortgage loan.

However, if your credit score is low, it indicates poor financial management and highlights you as a risky borrower. Hence, to compensate for the risk taken, your loan provider would charge higher interests.

A low credit score also increases the chances of the loan application getting rejected. You might feel that you have the financial resources to pay for the extra interest but if your credit score and financial records are extremely poor, you might not even qualify for a loan.

For example, if you are planning to make a huge investment in building a house; a loan rejection can bring your plans to a halt. Of course, there are other ways to ease financial jeopardy. You can definitely buy a house without paying the down payment. If you want to know more about this, check out this site. Nothing beats the value of a high credit score and clean financial records.

What is a Good Credit Score in Canada in 2021?

Talking specifically of Canada, a credit score of 680 or above is good.

Here is a detailed guide on how different ranges of credit scores perform when getting a loan.

1. 660 to 741 or above:

The best interest rates reside in the 740 and above range. 680 scores and above are also considered good. In this range, you can expect to find enough options with amazingly low interest rates.

However, the moment you enter the 660 categories, your credit score will be viewed as above average by your loan provider. In this category, you cannot expect the interests to be as lucrative as the 680 and above category.

2. 575 to 659:

This is considered the average and below-average category for loans. Once you enter this category, you will find it considerably difficult to zero in on the right loan provider.

Needless to say, your interest rates will also go up. When in this category, it is better to work on your credit score and improve it before applying for a mortgage loan.

3. 300 to 574:

A credit score in this category is extremely poor and finding a loan with this credit score is going to be a herculean task. The problem with this category of credit score is that you will be viewed as a risky borrower.

Not only will your interest rates go up but also, you’ll face a high loan rejection rate. Again, it is better to improve your credit score if you are in this category before applying for a loan.

How to Improve Your Credit Score

It’s not that you won’t get a loan with a bad credit score, but it will come with a host of unwanted headaches like making a huge down payment or opting for a joint mortgage. The easier alternative to this is to work on your credit score and improve it.

Here are a few ways in which you can improve your credit score:

  • Keep your payments up-to-date. The debts and unpaid bills are the main culprits in bringing down your credit score. Hence, if you want to improve your credit score, you have to clear all your payments and debts.
  • If your payment history is already tainted and you want to improve your credit faster, it is better to start afresh. Get a secured credit card and build your payment history to gain the confidence of lenders.
  • Once you have started building your new payment history, make sure you clear the bills for the upcoming payments on time.
  • Do not max out your credit card. Keep a low credit balance to reflect good financial management. This will help your credit scores increase sooner.
  • If you have an old credit card with good payment history, make sure you keep them activated. Just because you don’t use them anymore doesn’t mean you should cancel them. Long payment histories help you a lot in improving your credit score.
  • If your credit score is too poor, you might not be eligible for a regular credit card. In this case, you need to get a secured credit card by depositing a certain amount in the bank. This sounds like an extra expense, but secured credit cards go a long way in improving your credit score.

Final Thoughts

Whether it is to qualify for loans or insurance, a good credit score goes a long way. The tips mentioned above will come in very handy in increasing your credit score and improving your finance management.

In addition to maintaining a noteworthy credit score, inculcating healthy financial habits will help you multiply your personal wealth over the years.

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