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Rental Report: What’s Allowed When Decorating Your Rental?

Rental Report

Editor’s Note: This biweekly sponsored column is written by Rick Gersten, founder and CEO of Urban Igloo, a rental real estate firm that matches up renters with their ideal apartments, condos or houses. Please submit any questions in the comments section or via email.

Moving in to an apartment doesn’t have to doom you to neutral colors and bare walls. There are plenty of options renters have when decorating their new digs. But what can renters do to spruce up their place while still following the rules?

First, review your lease. The decorating rules may already be spelled out. Discuss with your landlord anything that isn’t specifically mentioned and get written permission if it is something other than rugs and curtains.

Paint — Some apartments or individual condo rentals will allow renters to paint at their own expense. Sometimes it’s as simple as getting the colors approved by the landlord prior to painting, but sometimes you may have to return the unit to the original color when you move out.

Some private landlords will even let you pick colors prior to move in if they are planning to repaint. It can’t hurt to ask, and be sure to put it in your offer and lease if they do agree.

Top Tip: If you are painting in a small space, and you are likely to have neighbors, look in to low VOC paint to keep the fumes to a minimum for your benefit and for those around you.

Tip No. 2: Don’t want to paint but want to add some character? Consider some removable wall stickers. With so many options out there, you can inexpensively add a border or backdrop to your wall with minimal effort. Just be sure the stickers are removable, or you will end up painting those walls anyway.

Rugs — Add some color and style to your unit with some nice area rugs. Rugs come in all shapes, sizes and styles as well as price ranges. They don’t have to break the bank.

Also consider different materials and textures to add character to different rooms. Keep in mind that if you are in a unit with wood floors your lease will likely require you to cover up to 80 percent of your floor with rugs. This is a pretty common requirement to help with sound issues in close quarters.

Top Tip: Because carpet can harbor allergens, bacteria and other interesting critters, it is probably best to go new with rugs, and save the Craigslist finds for end tables and desks.

Wall Hangings — Hanging pictures and art is a great way to add life to bland walls, especially if painting isn’t allowed, or just not in your budget. Checking out Pinterest these days leaves you with no shortage of budget-friendly wall art.

Top Tip: Use Command Strips for hanging your new Pinterest-worthy art so you won’t have to fill holes in the walls at the end of your lease.

Other Accessories — Throw pillows, blankets, tablecloths, lamps and plants are all great ways to add splashes of color and character to your space. For studio apartments, you may want to look at ways to split up your space with a screen or temporary wall.

Shelves and Closet Units — Depending on the type and how they are installed, some landlords may not have a problem with adding shelves if they are easily removed and the walls can be repaired. If you are looking into something a little more permanent — like built-in closet units — talk it over with them.

If done well and installed properly, the landlord may welcome the change, not ask that you remove them later and possibly even help with the cost. If not: Take a look at a unit that can be removed when you leave.

Just because your new space may start out on the boring side doesn’t mean it has to stay that way.

Top Tip: Always get written permission, and expect to foot the bill. Landlords can be pretty flexible as long as you are open and discuss it with them up front.

Community discussion guidelines: Our sponsored columns are written by members of the local business community. While we encourage a robust and open discussion, we ask that all reviews of the businesses — good or bad — be directed to another venue, like Yelp. The comments section is intended for a conversation about the topic of the article.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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