Kelly Innello's Blog
What is a credit score?Simply put, your credit score tells lenders how safe it is to lend money to you, i.e., the likeliness of you paying back your debt to them. In the United States, credit scores are awarded by three major companies. Since they use slightly different methods of scoring your credit, your score can vary slightly between them. What they all have in common, however, is that they put together your score based on your financial history (or lack thereof). How do they come about your score?
Parts of a credit scoreThink of an Olympic diver who just took a perfect dive. The judges off to the side are going to score her on a few different factors: her approach, her flight, and her entry into the water. They'll award her a number based on her dive and then those numbers are averaged to give her a score. Credit is scored in a similar way. You aren't judged just based on your payments or just based on how long you've had a credit card. Rather, you're judged based on a combination of five main things. For your FICO score (the score used by the majority of banks and lenders) those are:
- 35% - payment history
- 30% - current debt
- 15% - how long you've had credit
- 10% - types of credit
- 10% - new credit
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If you’re looking to take your outdoor space to the next level this summer season there are some simple changes that you can do to bring your yard to a “wow” level.
Use Lighting In Unique Ways
You can really bring visual interest to your backyard by using lighting in unique ways. Think of adding accent lights to walls near the outdoor space (depending upon how it’s enclosed). You can also add hanging lights using a fixture like a pergola or umbrella over a table. This is not only a great way to get outdoor night lighting, but a way to define your space as well.
Use Defining Features
As mentioned above, a pergola or even an umbrella is a great way to define the outdoor space that you have. It will also be a welcome feature to have overhead shade covering for hot summer days. The lighting that you add to these spaces will allow you to use your outdoor area the whole day through with comfort and style.
Think Of Building Up
If the outdoor space that you have is limited, you might want to consider building up. You can make levels of sorts with your yard. This would include adding something like a cement fixture or a wooden deck. While these types of improvements aren’t exactly cheap, they can add to your backyard and give the sense that your outdoor space is bigger than it really is.
Make A Focal Point
If you have a great feature in your yard that provides a great point of vision, you want to make use of it. Be it a fireplace, a fish pond, or something else that your eyes are drawn to, you should place your tables and chairs around this point in order to create an impression.
Make Privacy A Priority
In your yard, you want to make privacy a priority. Whether you add bushes, build a physical wall, or put up some fencing, you don’t want your neighbors to be able to see what’s happening on your property at all times. These features will also help to define the space even more.
Use The Indoors For Inspiration
Your outdoor oasis can be a reflection of the style that you have on the inside of your home. Just because you’re outside, doesn’t mean that everything has to be different. Create a living area complete with tables, chairs, and even an outdoor kitchen if you have the resources. Convenience is key outside, since you don’t want to be running in and out of the house while entertaining and enjoying the outdoors. Be sure to complete your patio with accents like throw pillows and even outdoor table lamps to finish the look.