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Maximizing living space is something everyone should be focused on. It’s especially important to those who rent apartments, live in college dorms, and have smaller spaces to occupy. Space maximization can help you stay organized, and can free up much needed space in your home that could be used for other purposes. To help you get started, here are five great space maximization tips:

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1. In the Bedroom – Raise Your Bed

If your bed isn’t high enough off the ground to store bins underneath, you are not utilizing this space to its full ability. Start using this space by buying (or making) a bed lift that will raise your bed up just enough to utilize the space underneath. Shown right are bed lifts that can be found at Walmart for only $14! In addition, consider purchasing clear bins that are constructed specifically to fit underneath beds. These bins are great for rotating items not in season or that you do not use every day, (see #2) such as winter jackets or shoes.

2. In the Closet – Rotate Items by Season & Remove the “Long Bar”

We all fall into the trap from time to time of stuffing everything we own into a closet – jackets, vacuums, games, shoes, sports gear – you name it – it’s probably found its way into a closet. If you want to maximize space in your closet, consider rotating your closet by season. Only items you will be using during the Spring, Summer, Fall, or Winter should go into your closet. Consider storing out of season items in storage bins below your bed or in other designated areas. Most closets are overcrowded due to the single long bar that exists inside. To increase storage space, consider adding another bar – The top bar should hang approximately 75 to 80 inches from the floor; the bottom bar, ideal for shorter items, should hang approximately 36 to 40 inches. This will allow you to essentially “double” the size of your closet. Also consider over-the-door organizers and hooks to hold jewelry, purses, scarfs, and more.

3. In the Kitchen – Maximize Counter Space.

There’s no shortage of ideas to maximize space in the kitchen.  Perhaps the most important place to increase space is on your counter tops. Use hooks and shelves along your walls to store items, as well as add a rolling cart in your kitchen to increase counter space. You can easily wheel it out when you need something and roll it away when you’re done. To clear even more room on your counters, consider what you really do and do not use on a daily basis. Once you have determined this, toss, sell, or donate anything you don’t use in the kitchen on a weekly basis.

4. In the Living Room – Hang the TV and Find Multifunctional Furniture

If you have an older television or a set that is not a flat screen, you won’t be able to hang your TV on the wall. However, if you do have a flat screen TV – hanging it on the wall will instantly free up space in your apartment or home. Also, if you’ve ever taken a stroll through IKEA or your favorite furniture store show room, there are plenty of options to consider for maximizing storage space with multifunctional furniture. Good multifunctional furniture will create the illusion of more space (think glass tables for eating spaces and couches with small legs). You can even position your furniture to create mini-rooms within your apartment to organize the flow of your space.

5. Room Separation – Floor to Ceiling Storage

If you have a tiny studio apartment – every space utilization decision is an important one. Consider a floor to ceiling open storage shelf system to place decorative items or books that you can access from either side. This will dramatically free up space in your apartment, and act as a decorative piece as well.

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These storage tips are just a few things you can do within your apartment to maximize space, to keep organized, and to get the most use out of your living area. If you are in the market to lease an apartment or a home, and need some extra money for moving expenses, security deposits, and more, call your local Mariner Finance branch today to see if we can help. A knowledge member of our staff will be readily available you help you with all of your financial needs!

Blog posts are for informational purposes only.

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.


*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.



California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.


Mariner Finance, LLC, NMLS No. 166564 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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