| Warm up | Wellington WORKBOOK RENOVATION your home Warm up your home Photo GAP Interiors/Douglas Gibb ease the transition from Summer to Autumn with tips FOR CREATING A COSY INTERIOR. homestyle | Apr/May 13 | 127 | Warm up | Wellington WORKBOOK RENOVATION your home 3 “I can not stress enough how important a good lighting plan is for your interior, but it‘s often overlooked in new homes and renovations. These days, lamps come in varying colour temperatures, beam angles and strengths. Task lighting — such as down lights, some LEDs and fluorescents — will usually be quite bright and cool in tone, so cosy up your interior with warmer feature lighting around the room, such as table lamps, floor lights and candles (not forgetting the power of scented candles!), all of which create inviting pools of light.” — Nadia Sakey Expert opinions Nadia Sakey, house doctor at Hit The Wall Olivia Harper, interior architect at Material Creative 1 Layer upon layer 2 PhotO Larnie Nicolson & LeeAnn Yare “Create visual depth by layering textures. Organic materials, such as wood and seagrass, exude natural warmth. Mix it up: try using a grass wallpaper and adding a vintage wooden table, a modern glossy lamp, a knitted throw and some bright velvet cushions. All these pieces will add some depth and interest to the room, creating a warm and inviting space.” — Nadia Sakey 2 1 3 Throws Not only will a throw add some colour and texture to any room, it‘s also the perfect accessory in which to snuggle up on cooler autumn evenings. 1. Royal fur throw stone, $179, from Citta Design 2. Verona, $89, from Freedom Furniture 3. Nora wool throw, $229, from Country Road. Resene Red Earth Resene Red Hot Resene Jalapeno Resene Bonfire Resene Big Bang Resene Hot Toddy Resene Galliano PhotoGRAPHY ABOVE Larnie Nicolson & LeeAnn Yare RIGHT David Trubridge FAR RIGHT Prue Roscoe/Taverne Agency David Trubridge, furniture and lighting designer 4 “You don't need the heat of fire to get a warm, cosy feeling . . . Most people buy our lights to re-create the archetypal experience of firelight flickering on the ceiling of a cave.” — David Trubridge 5 “Find a beautifully worn knotted rug to place under your coffee table, in a hallway or in your bedroom. This is my favourite way to warm up any space; it instantly takes any starkness away!” – Olivia Harper Resene Melting Moment Warm up your home with the latest paint colours from The Range fashion colours fandeck, only from Resene. 0800 RESENE (737 363) www.resene.co.nz WORKBOOK | Warm up your home Photo GAP Interiors/Tria Giovan 9 6 be daring “Rich, warm tones such as turmeric yellow, burnt orange and rusty reds are the obvious choice to create the illusion of heat. As the queen of colour, I say don't be afraid to mix it up with the brights and the bolds. Tapping into our inner child can release a whole new world of emotional warmth! In a room with a neutral or monochromatic backdrop, use these colours as accents in cushions, throws and quirky objects.” — Nadia Sakey Resene Ayers Rock BRING THE OUTSIDE IN 7 “Crisp-white walls can make a room feel cold, especially if your furniture is also neutral. Adding a warmer pale-beige or colour to a room will instantly create some warmth. We recommend Resene Soapstone.” — Olivia Harper 8 Resene Big Bang Resene Soapstone Resene Billabong Resene Zion Resene Irish Coffee Autumn PALETTE One of this year′s colour trends is to bring the outdoors in – not just typical landscape greens, but also natural brights that mix well with the warmth of timber-inspired hues. Earthy colours contrast with pops of warm, tropical tones for a complex, rich palette. Resene Madam M Resene Windfall Photo GAP Interiors/Rachel Whiting Celebrate the season with a simple arrangement of foliage in a blaze of autumn colour. Collect pinecones, berry branches and mossy twigs to add to your arrangement. homestyle | Apr/May 13 | 131 WORKBOOK | Warm up your home ADVERTISING PROMOTION 10 Swatch Watch Inspired by the changing colour of the landscape outside, update walls with earthy tones and textures or natural motifs. 12 Saphyr II 208055 wallpaper from Resene 13 “Look for warm, natural textures. Wood is best, of course, but natural fabrics like wool also help to evoke a much warmer sensation than synthetics.” — David Trubridge Elements 46533 wallpaper from Resene 11 132 | Apr/May 13 | homestyle Work from the floor up by basing your room design around a feature carpet or rug, as seen here with the First Morning rug designed by Easton Pearson for Designer Rugs. Since the material itself has an inherent warmth, the room will adopt an extra air of cosiness. Your feet will appreciate it, too! Photography ABOVE GAP Interiors/Colin Poole RIGHT Brian Culy Photo Designer Rugs Atmosphere L44932 wallpaper from Resene Walltrends II 75133 wallpaper from Resene “Artwork is a wonderful way to introduce colour, pattern and texture to any room while bringing in natural warmth. Timber or gold frames tend to be warmer than white or black, but mix it up a little bit and get creative. Hang some framed art with your favourite found treasures, such as ceramic plates or woven bags.” — Olivia Harper Working smarter not harder Sometimes the simplest solutions are staring us right in the face. Over the past three issues, we have discussed renovating your finances, how to have your cake and eat it too, and how to get financial results. But all of these things require taking a simple step to action a change. The most significant change you can make to your financial wellbeing is to reduce your mortgage debt. The most effective way to do this is by channelling your income to affect the principle component of your loan, which in turn reduces the interest you pay and the term of your loan. This is making your money work for you, not budgeting. Take, for example, the graph below. The grey graph represents the loan term (or your current bank); the blue line represents when the home loan will be paid off by doing nothing more than channelling your income into your loan. We have used the average Auckland mortgage ($348,000.00), a combined family income ($90,000.00 PA (gross)), the average interest rate in NZ over the last decade (7.51%) and a weekly surplus of $2.97. In this scenario there is no ability to save, but just by channelling your money through your home loan, you can save $236,521.00 in interest compared to a normal bank mortgage. It’s not what you earn; it’s where you put it BEFORE you use it that counts. Email [email protected],or visit bestuseofmoney.co.nz for a free home loan guide. Contact Paul for a full disclosure statement.
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