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Sparks: How to handle subscriptions, low-cost home updates & more

4 of the best: Low-cost, high-impact home updates
You don’t have to break the bank to transform your space.

Color drench a room

Color drenching is a technique that involves painting walls, trim, doors and sometimes even the ceiling the same hue (while varying the paint sheens) to create a bold, high-end look. Adding DIY wall molding—like board and batten or picture frame molding—also can add interest without a huge investment.

Upgrade kitchen and bathroom hardware

Want to refresh your kitchen or bathroom but don’t have the budget for a full renovation? Swapping out old hardware and updating knobs, pulls, faucets or towel bars is a low-lift way to make your kitchen or bathroom better reflect your personal style—whether you’re aiming for a sleek, modern look or something with more character.

Texturize and accessorize

Want to bring more warmth and personality into your home? Try updating your room’s textiles and accessories. Refreshing throw pillows, bedding, curtains or adding an area rug brings texture, color and personality without the investment of a full redesign. Mix fabrics, colors and patterns to create a look that feels cohesive and uniquely yours.

Update old light fixtures

Lighting has a bigger impact on your space than you might think. Updating an outdated overhead light fixture with something that better reflects your taste instantly shifts the mood and style of the whole room. New light bulbs also can go a long way. Swap out bright white bulbs for warm white or Edison bulbs for a cozier atmosphere.

—Written by Bella Norcross

The big number: $398.2M
The amount spent on pumpkin spice products in North America in 2025*

Did you know?

You can be strategic by using charitable bunching

Generosity doesn’t have to stop at the heart; it also can be tax-smart. Charitable bunching—combining several years of donations into one tax year—can push your deductions above the standard threshold so you can itemize. A donor-advised fund makes it seamless. You contribute a lump sum, claim the deduction, then grant to your favorite causes on your own timeline.

Discover how charitable bunching can help you.

Defining finance: Rebalancing

When you build an investment portfolio, you usually start with a target allocation—a predetermined percentage mix of asset classes, such as stocks, bonds and cash. Over time, some investments may grow faster than others and can cause a shift in your original allocation. Rebalancing simply means adjusting your investments back to your original allocation. If stocks surge, for example, you might sell some and buy more bonds to restore the balance. A financial advisor can help you review your portfolio annually, or whenever your asset mix drifts off target.

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*Coherent Market Insights

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent Charitable™, the marketing name for Thrivent Charitable Impact & Investing®, is a public charity that serves individuals, organizations and the community through charitable planning, donor-advised funds and endowments. Thrivent Charitable works collaboratively with Thrivent and its financial advisors. It is a separate legal entity from Thrivent, the marketing name for Thrivent Financial for Lutherans.
Investing involves risk, including the possible loss of principal. A mutual fund’s prospectus will contain more information on its investment objectives, risks, charges and expenses, which investors should read carefully and consider before investing. Available at thriventfunds.com.
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