9 Beautifully Simple Ways to Make Your Home Cozy on a Budget

Inside: Learn how to make your home cozy on a small budget. It’s about personal details and little things most people don’t think of at first. Your decor skills don’t matter!

What we are really going for here is the feeling of safety that some homes give you. Most of these are rooted in basic human instinct. We are looking for a place safe from predators where we can relax. Lizard brain meets interior decor.

Let’s explore how to get this in your home without just filling it up with fuzzy blankets.

cozy white farmhouse at dusk

At a Glance

  • Fire or candlelight
  • Color
  • Homemade food
  • Beautiful things with purpose
  • Living things
  • Layers and texture
  • Personal items
  • Signs of activity
  • Light and shadow
  • Evolution over time

1. Fire

Besides the physical warmth it provides, it is like having a companion in the room. The glow, flame, and dry heat of a fire just can’t be beat.  You know how when you are lonely, sometimes the TV helps that dead feeling in the room?  Fire is like that but better.

Wood burning is the coziest, but gas is good too if that’s what you have. Having baskets of newspaper and kindling sticks nearby adds to the appeal. After having a wood burning fireplace in my house that heats the whole home, I will never buy a house without one or the ability to add one. It just wouldn’t feel like a home to me without it.

If you absolutely can’t have a fire, candles are a good alternative. I’ve seen candle holders that fill a fireplace and people wrapping artificial logs with fairy lights for a pretty glow.  Of course they don’t provide any physical warmth, which is important too, but they do create coziness in your home.

2. Color

Color, or at least warm neutrals, go a long way towards creating coziness in your home.

An illustration of a vibrant bouquet of orange and red flowers in a white vase set against a soft-focus background seen through a paneled window.

I love gray and white just as much as the next girl, and my house is largely done in that too. But when you also have accessories that are also gray and white, the whole effect can be very cold. This is especially pronounced in the winter, or in rooms without very much sunlight.

Painting the walls has the biggest effect. I love picking from Benjamin Moore historical collection to avoid a color that is too crazy-colorful.  

Tip

If you don’t like painting walls a color, or prefer your house to look different throughout the year, use colors for dish towels, rugs, curtains, and cushions. Adding fabric where you can adds softness, color, and warmth.  All of these things work towards creating coziness in your home.  They all also add function, so they don’t look cluttered.

 3. Homemade Food 

The food itself is cozy, but so it the act of creating it.

The kitchen is the heart of the home, and when it’s isn’t used it doesn’t beat. Someone needs to be in there much of the day preparing things, doing dishes, polishing the counters, sweeping the floor. Baking bread is especially good at creating kitchen coziness, it can’t be rushed and only requires a few minutes of work at a time. Make sure you have a pretty bowl and tea towel for rising dough.

I don’t mean you have to be a kitchen servant, constantly chained to it, but if there is always some type of kitchen project going on, it goes a long way toward making your home cozy.   When you think of “grandmas cozy cottage” is she sitting around watching TV?  No. How about at the kitchen table, listening to the radio, shelling peas? There’s just something about the kitchen that gives a house it’s soul. Food preparation lures people in and gives the kitchen life.

4. Beautiful Things With a Purpose

If the things you buy are both useful and beautiful, your home will be cozy and inviting without even trying. When you see charming English country homes that look cozy, part of the appeal is the function of each item.  There is no “decor”.  But there are beautiful old books, clocks, and lamps.

To get a similar look, try to make everything in your house, from your laundry basket to your snow boots to your soap, look beautiful to you. The easiest rule to follow is to buy as little plastic as possible. It usually looks ugly and cluttered, and it ages poorly.

5.  Living Things

Obviously, an empty house is not going to help in coziness department.  Every house needs something alive.  

Plants, pets, and other people make a house feel alive because they are alive.  In my opinion, a dog is the absolute best at this.  I have never had one, but I notice a huge difference in the feel of a house when there is a dog around vs. when there is not.  

6. Add Layers and Textures

I made fun of fuzzy blankets earlier, but there is something to them. A cold, hard sheet of glass? Not cozy.

But don’t go overboard or start buying pillows and throws just because! First, make sure they really serve a function.

7. Personal Items and Things With a Story

A cozy home reflects your unique personality. Display items that hold special meaning or simply make you happy. There are so many possibilities here, most of them free.

  • Framed photos (casual snapshots work too!)
  • Letters or cards received from loved ones
  • Children’s artwork
  • Souvenirs from trips: magnets, postcards, small sculptures
  • Collected natural items: shells, driftwood, interesting rocks

These personal touches give your home character and make it feel warm and inviting.

8. Signs of Activity

A cozy home is a place where life happens. Subtly showcase those moments of activity that breathe warmth into your space. A guitar propped on its stand suggests music fills the air at times, while a half-finished knitting project on the couch hints at cozy evenings spent creating. A well-loved book left open on the nightstand tells a story of relaxing before bed.

More ideas

  • A half-completed jigsaw puzzle on a table.
  • A set of paints and brushes beside an unfinished canvas
  • A basket of yarn with a crochet hook peeking out

Important Note

The key here is authenticity. It’s more about letting your life show, not creating a fake and staged one!

9. Make the Most of Light and Shadow

True coziness embraces the natural rhythms of day and night. Optimize your space to both enhance the beauty of daylight and craft an intimate haven as darkness falls.

Chasing Sunlight: Observe how sunlight enters your home throughout the day. Arrange furniture to make the most of warm, natural light. Use light-colored curtains or blinds to diffuse direct sun if it becomes harsh but avoid heavy drapes that block the light entirely. Mirrors strategically placed can reflect sunlight into dim corners.

Embracing the Dark: Evening needs a different routine. Close curtains, add a fireplace or candles become the focal point. Supplement with lamps placed for reading.

More to Explore

Consider this the beginning of your cozy home journey. As seasons change and life evolves, so will your home.

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By Katie Shaw

picture of smiling female

Katie shares simple, reliable recipes from her home in Virginia, where she lives with her husband, three daughters, a chocolate lab, and over thirty chickens.

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53 Comments

  1. I adore the artwork. Just looking at the watercolor paintings is very relaxing. They are so very beautiful. It makes me want to walk into whatever scene is depicted and live in it if only for a little while. Do you have a book (for sale) that is a compendium of those paintings along with the associated remarks? If not, please think about doing one. Would love to have it.

    1. Hey Eileen, thank you so much! I’m so glad you enjoy the artwork, it really does feel like stepping into a peaceful little world, doesn’t it? I don’t have a book right now, but that’s such a great idea! I’ll definitely think about it.

  2. Love this article and your watercolors especially. Each one creates a little pocket of warmth and love in my heart! You seem to know exactly how to choose colors that just pull me in and make me want to be in the center of each of your pictures. Is there any chance that you sell prints of your watercolors? I would be very interested in having an entire wall full of them to evoke the country farmhouse feel in my little house. Hugs to you!

  3. FANTASTIC article! Thank you sooo much! I have been working on creating a cozy home for over 50 years– and your article is one of the best I’ve ever read! I’m a little confused, though. In your section on having living things, you say you’ve never had a dog. But, your “about” info says you have a chocolate lab. ???

  4. Cozy is definitely my dream, too. My husband and I have it here in our little house. We bought an electric fireplace, as the house doesn’t have a built in fireplace. It looks realistic. I love seasonally decorating it. It is so pretty in our living room. I put in about 50 houseplants in our house, too. They add a peaceful quality to daily life, and they thrive year round. Cozy is not spending a ton of money necessarily or cluttering your home with stuff. Maximalism is different from messy clutter or unstylish. I am not a maximalist, but I know maximalists can have a cozy home that is pretty. We do not constantly buy stuff. Our lifestyle is not to buy buy buy. My husband and I like the slow leisurely times at home. We love our little house, too.

  5. Great ideas. I love the idea of having beautiful functional items. That was such a great way of describing it. Did you do the watercolors? They are beautiful.

  6. I saw a post with a title that said something about how we should get rid of “outdated” Christmas decorations! It’s a good thing it was a post, and not something someone said to me in person. I would have needed bail money! Christmas isn’t, or it shouldn’t be, about fashion. It’s fine if someone comes up with a decoration that appeals to you. But to say ANY decoration is “outdated?” I could rant for hours about that!

  7. I love this article but honestly, you have way too many pop ups and ads. It’s so distracting and I’m a person that if there is something on someone’s pop up, even if I want it, I won’t buy it. It just ruins the post.

  8. If you don’t have a fireplace, put one on you tv! That’s what I do! I burn some sage for the scent and pop on a fireplace video. Instant cozy!

  9. Throw pillows, a throw blanket on the couch, rugs, warm lamps, plants and a photo wall makes my apartment look cozy! I have an electric fire TV stand and I love it so much – it definitely adds coziness!

  10. New to you. Love it already. But I’m having trouble decluttering and my house is so dusty but cute if I’d fix it. I like all the wicker and rope beads and black n white buffalo check decor and the farm house looks. I have quite a bit but the ridiculous dusty everything holds and reversed the look it want. I’m working on it but it’s slow go. I love you ideas and plan to use some. Thank you very much!!!

  11. My contractor remarked my home is the coziest he has ever seen: maximalist layers of comfort in quilts in baskets everywhere, YES, 3 fireplaces that get used in Winter, and everything in my home spells beautiful/useful to me. I am doing a open house Tea this Christmas plus soirees twice yearly. French cottage glam coastal and it all works in pinks, teals whites. My Hearth Room kitchen is to die for.

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