To balance out the airiness of a minimalist decorating approach, tailor your palette to crisp and rich natural tones—the beige-brown of a cowhide rug, the caramel-tan of a leather chair, the pristine white of slipcovers.
Analyze past spending by keeping records for a month. Determine fixed expenses then flexible expenses. Balance your fixed plus flexible expenditures with your available income. Keep records and write checks for everything important.