Decorating a home can be lots of fun until you see the price tags.

In fact, some interior designers swear by Ikea for certain items.

Its all about knowing when to spend and when to save.

Two women paint a room.

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Your butt and back will thank you.

But the upholstered armchair in your guest room that gets sat on just a couple of times per year?

askedLesley Myrick, an interior designer based in Atlanta.

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Thats where you might go with the cheap and cheerful option.

World Markethas plenty of cheap, cheerful options in this category.

You might also check out one of these 20 stores foraffordable and stylish home furnishings.

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No Interest Til Almost 2027?

She says the same goes for coffee table accessories.

it’s possible for you to really find bargains in charity shops or on Ebay.

This is where Ikea shines.

Instead of spending the money on cabinets, Thomas suggested splurging on stone countertops, plumbing fittings and appliances.

Did you know?

Paint

Painting a room can dramatically change a space for a relatively small cost.

Paint with muted sheens will hide some imperfections, while paint with higher sheen is less forgiving.

Plus, if you use a matte option, youll have better coverage, which means using less paint.

Rugs

This one may surprise you, as rugs can be an heirloom item.

Glenn recommends snagging inexpensive rugs fromRugsUSA.com.

Thats because she purchases her side tables and wood furnishings from vintage and secondhand shops.

Heres what to look for whenbuying furniture from secondhand or vintage shops.

Wall Art

Most of us love art, but it can get incredibly expensive.

Many of our clients have invested in ready-made murals from suppliers like Magic Murals, Lewicki said.

Then, embellish them by attaching 8 bands of a fancier fabric to the sides.

Topjian said she did this once and it worked very well.

This approach can create a win-win.

you might still save some cash here, though.

They look more expensive, even if they arent, she said.

Youll likely end up buying a few floor and table lamps to make up the difference.

However, you should invest in lights that are in areas which are important to you.

She puts her budget into a timeless higher quality dining room table, and saves on the chairs.

Danielle Braff is a contributor to The Penny Hoarder.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…