10 Ways to Freshen Up Your Home

Home Blog 10 Ways to Freshen Up Your Home

Posted On: June 14, 2022 by Peoples Bank of Kankakee County in: Home Mortgages

I don’t know about you, but we are feeling inspired to tackle home projects and make some improvements! Spring and summer are great times to address those projects you’ve been putting off. Whether you are selling, renovating, or just wanting a little home facelift, use these tips to inspire a home refresh.

Rearrange

Sometimes our homes can start to feel plain or boring. Rather than stretching the wallet on something new, begin by rearranging the furniture. First, pull the furniture away from the wall and try a more open feel. Another option is to rearrange the existing layout or switch items from room to room. Sometimes simple changes like these can give a fresh, new feel.

Declutter

This seems like the obvious when it comes to spring and summer cleaning - DECLUTTER! Clearing off surfaces and putting things away can add a fresh feel. Decluttering allows you to see what you have, see what you might want to purge, and rearrange. The declutter, clean, and organize steps are a must when freshening up your home.

Switch Out Your Wall Décor

Switching out wall décor is a quick and relatively inexpensive way to make a big impact on your space. Simply moving pieces around or mixing in new items can easily freshen your home. Add in a pop of color with new pillows or a throw. Mirrors can open a space and make it feel larger. Maybe it is time to frame family photos to create a new wall gallery.

Refresh Your Color Palette

Refreshing your color palette allows you a clean slate to change up your style. Whether you add in one new pop of color or completely change them all, your color palette can make a dramatic difference. Believe it or not, color can affect mood and emotions, so a change in this area can create a deeply felt refresh.

Restyle Your Bed

Change up your bedroom by swapping your bedding and pillows. Whether you add a new comforter, plush pillows, or a decorative throw at the foot of the bed, switching up your normal bedding will add luxe and a fresh feel.

Change Up Your Scent

Changing up your home’s scent is an easy way to freshen the air and give a homey, clean feel. Candles can switch up your scent and add to your décor. Oil and reed diffusers may be an idea to try as well!

DIY Projects

As you rearrange and restyle, consider DIYing an old furniture piece rather than getting rid of it. Work with the bones and spruce it up to work as a functional piece in your refreshed home. There’s nothing some paint and new upholstery can’t improve.

Swap Out Your Window Treatments and Rugs

As you rework your furniture, décor, and color palette, you may want to swap out your window treatments or rugs. Both can add new color and texture and pull everything together. Rugs can define spaces and window treatments can help add warmth.

Add Touches of Greenery

Greenery is a good idea for giving a refreshed look as well. Whether you add in fresh or faux greens, it is a great home filler. From succulents to palms, ferns to cactus, the possibilities are endless.

Lighten Up

Finally, lighting can also affect how we feel in our home. If all you have is overhead lighting, consider investing in table or floor lamps to introduce softer, ambient lighting. A well thought out lighting plan can truly bring a home to life.

A home refresh is a perfect way to get that homey feel we desire without completely purchasing new. You do not need to completely remove the old to get a new, fresh look. Summer is right around the corner; it is a great time to spring clean, spruce up and find love for your space again.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

We have standard overdraft practices that are available after your account has been open for 30 days and as long as you maintain your account in good standing.
We also offer an overdraft protection plan, Overdraft Protection Sweep, a link to a savings account. It may be less expensive than our standard overdraft practices. To learn more, ask us about this plan.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

After your account has been open for 30 days and as long as you maintain your account in good standing, we do authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

ATM transactions
Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Peoples Bank of Kankakee County pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of up to $30 each time we pay an overdraft.
The maximum daily overdraft fee per presentment or item paid using the Overdraft Reserve Program is $150.00 per day.
No per item handling fee will be charged on de minimis overdrafts. De minimis overdraft for this policy means transactions that overdraw your account by $30 or less.
There is an overdraft fee of $5 per day that will be charged beginning the 4th consecutive business day your account is overdrawn.

Nonsufficient funds (NSF) fees - if an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money in your account and we decide not to pay the item or transaction, you agree that we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times by the merchant or other payee until it is paid, and that we do not monitor or control the number of times a transaction is presented for payment. You agree that we may charge you an NSF fee each time a payment is presented if the amount of money in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.

PAYMENT ORDER OF ITEMS - The law permits us to pay items drawn on your account in any order (for purposes of this section "items" means checks, orders and electronic transactions). To assist you in handling your account with us, we are providing you with the following information regarding how we process those items. When processing checks and orders drawn on your account our policy is to pay lower numbered checks and orders in numerical sequence, but electronic transactions are paid first in the order received. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. However, if the largest items are paid first, your most important items might be paid but it may increase the overdraft or NSF fees if funds are not available to pay all of the items. We think our policy attains a reasonable balance between minimizing additional costs to you and paying your more important items. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees.

What if I want Peoples Bank of Kankakee County to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions after your account has been open for 30 days, you may opt in.

You have an ongoing right to change this consent at any time. If your overdraft privilege has been revoked for any reason, the opt-in or opt-out selection may not apply. Please contact your nearest office for more information.

Alternate ways to Opt In/Out or make changes:

By Phone. Our Customer Care Representatives can be reached at 815-936-7600.
By Mail. Peoples Bank of Kankakee County, 333 E. Court Street, Kankakee, IL 60901
In Person. Please visit your local office and ask a representative to help you decide which plan is best for you.