There has been an amazing improvement to the weather after a few months of the lowest temperatures ever recorded.
As if by magic our gloomy garden with it’s bare trees and colourless flower borders has transformed itself into a rainbow of extremely pleasant and miraculous colours.
The leaves on the trees, hedgerows and bushes are at their very best, covered in a shade of emerald green. The lifeless flower beds are a blaze of vivrant shades with the yellow daffodils and tulips with up to a dozen colours, including white, pink, red etc.
For the last few months when we wakened up in the morring, we heard no sound except the drone of the engines coming from the cars in the road near our road.
Now when we wake up 6.30am or 7.00am what we hear is the happy song of several varieties of birds perched on the bushes near our bedroom window.
As soon as the weather improves to such a remarkable extent, people’s thoughts turn to all the enjoyment that they can derive from the rest of the Spring and Summer which lies ahead.
When the sun now shines in your windows, the lacks in your decor and floor coverings as well as some of the furnishings become apparent, as does the ten year old kitchen.
When you look into the garden you can image spending happy times with friends and family in the balmy evenings that stretch before you, and you decide that a new patio with an up to date barbecue and new garden furniture would be a welcome addition.
A new water feature with a statue in the middle would also add to the appeal of your outdoor living space.
Not having had a Summer holiday for the past three years, you would really like to go on a foreign trip with your partner and children.
The problem is that when you consider how much all this would cost, you are pretty certain you do not have enough money in your bank account to cover it all.
When you look into the diffrent ways to pay for all this, you find out that you can obtain hire purchase for the carpets and furniture, and home improvement loans are available from the kitchen supplier, and the same sort of loans are in the market for the new patio etc.
However this would give you a considerable number of different debts to pay every month, and the home improvement loan quotation at 25% seams very expensive.
As a homeowner, there are two much better cheaper methods of raising the money required, as well as giving you one single repayment monthly.
This is by taking out a secured loan or a remortgage which are both homeowner loans that make use of the equity in a property to raise funds that can be used to pay for anything.
Remortgages and secured loans are always very worth considering for homeowners who want additional cash for almost any reason.