6 Tasks That Every Smart Homeowner Does in October!

October 12, 2017

By: Stacey Freed

Why now’s the perfect time to replace appliances.

The temps are starting to drop; the smell of wood smoke is in the air.

Temps are more chilly than warm. That’s when veteran homeowners know it’s time to do these six things if they want to avoid grief or overspending:

#1 Buy Appliances:

Whisper to them. Do a rain dance. Whatever it takes to get your old appliances to wait until fall to go on the fritz. Manufacturers bring out their latest models during the fall, and store owners offer big sales on appliances they want to move out — like last year’s most popular dishwasher. So September, October, and November are great months to buy.

But October is right in the middle — when there’s still plenty of selection, and retailers might be more willing to haggle.

Refrigerators are the exception because new models don’t come out until spring.

#2 Switch the Direction of Ceiling Fans:

Most have a switch to allow the ceiling fan blades to rotate either clockwise or counterclockwise — one way pushes air down to create a nice breeze and the other sucks air up, helping to distribute the heat. Think counterclockwise when it’s warm and clockwise when it’s cool.

#3 Clean Windows:

Daylight is about to dwindle so why not get as much of it as you can? Clean off all the bugs, dust, and grime from your windows while the weather is still warm enough to do so. For streak-free windows, combine ¼-cup of white vinegar with ¼ to ½ teaspoon of eco-friendly dish detergent and 2 cups of water.

If window cleaning isn’t a DIY job at your home, schedule a professional window cleaner (who, unlike most of us, is able to do it even when temperatures plummet) before the end of the month. The closer it gets to the holidays, the busier they get. Bright sunshine on winter’s darkest days makes it totally worthwhile.

#4 Schedule a Heating Unit Checkup:

To ensure your family will be able to feel their toes all winter, schedule early in the month for your heating unit to be serviced. As temperatures drop, service companies get busier.

Whether you hire your heating company’s technician or a contractor to do it, they’ll clean soot and corrosion from the combustion chamber, replace filters, and check the whole system for leaks, clogs, or damage. Nothing pairs with a pending blizzard better than the assurance that you’ll be weathering the storm with warm air piping through the vents and cocoa in hand.

#5 Get a Chimney Sweep to Inspect the Fireplace:

It’s time to dust off and sweep the chimney Best to hire someone who knows wood-burning fireplaces. A professional chimney sweep will ensure your wood burning fireplace burns more efficiently and will help prevent chimney fires and carbon monoxide poisoning during the winter. So yeah, it’s pretty important.

Tip: If you don’t already have a chimney cap, this is also the time to add one to stop wild outdoor critters from crawling down it — and (yikes!) into your house.

#6 Insulate Exposed Pipes:

If you’ve ever dealt with a burst pipe, you know it’s a sad, wet disaster worth preventing. To avoid the stressful (not to mention, expensive) ordeal, prep your home’s exposed pipes with foam or heat tape — choosing which one will work best with your climate — to keep those pipes toasty. Remember: The most at-risk pipes are often those in unheated areas such as an attics, crawl spaces, and garages, so secure those first.

5 Bathroom Things You’ll Hate If You Install Them!

October 7, 2017

By: Jennifer Nelson

There is one paint color you must avoid at all costs (see #5).

A clean, well-planned, and stunning bathroom is every homeowner’s goal. But creating it can be a bit of a sticky wicket.

All that water, humidity, and artificial lighting, and those tight corners make the space a real challenge. Don’t make it worse by wasting money on materials that won’t withstand the task or will need replacing when they don’t work out. Dodge bad bathroom decisions by avoiding these five things:

#1 Wallpaper:

In a high-steam area such as a bathroom, wallpaper may start to peel in a few years, according to some designers. In fact, steam is used to strip old wallpaper off walls.

Despite the many photos of stylish, wallpapered bathrooms in magazines, unless it’s a half-bath or guest bath that’s seldom used, skip it. Really want the unique look wallpaper provides? Try a solid vinyl wall covering instead. It won’t allow moisture to seep through.

#2 Laminate Flooring:

Love the look and affordability of laminate flooring? Use it in another room. Water and laminate floors don’t mix. Even tiny amounts of water will seep between the planks, causing them to expand, peel, swell, and lift from the floor.

Even laminate manufacturers advise against installing in high moisture areas. The good news? There are plenty of other products out there that work extremely well in bathrooms. Take another look at linoleum. It’s eco-friendly, budget-friendly, and comes in a wide variety of looks.

#3 Slippery or Glossy Tile or Stone:

Many ceramic, porcelain, and stone floors will become slippery in wet conditions. The more polished a tile, the more likely it will become slippery when wet.

Solution: Select your bathroom floor surface carefully, vetting each against slippery conditions. Look for tiles certified to meet slip-resistance standards specified by the Americans with Disabilities Act.

#4 Wall-to-Wall Carpet:

Carpet, while soft and comfy, isn’t ideal flooring in a powder room. Not only is the ick factor apparent, especially around the toilet, but mold and mildew can build up, which can cause health issues. In fact, the Centers for Disease Control and Prevention specifically advises against carpeting bathrooms to avoid mold exposure.

If you really want the cozy touch of carpet in the bathroom, fluffy bath mats add color and comfort — and can be regularly laundered.

#5 Yellow Paint:

When selecting paint colors, remember that color will appear more intense on your bathroom walls than it would in most other rooms, especially if the bathroom relies heavily on artificial lighting.

“In that smaller space, where the mirror multiplies the impact of the lighting, the walls tend to reflect and magnify color from other walls,” says Amy Bell, an interior decorator and owner of Red Chair Home Interiors in Cary, N.C. Be especially wary of yellow or other colors that contain yellow — even neutrals — as yellow can feel brash in a bathroom, and you won’t like what you see in the mirror. Instead, opt for grays with a hint of green or blue, which can feel spa-like.

Don’t Budge: 7 Compromises You Should Never Make When Buying a Home!

October 5, 2017

By: Wendy Helfenbaum

Every successful home search begins with a wish list. Armed with your inventory of must-haves, you’ll know how to focus your search and recognize a potential home that isn’t worth your time.

Still, there’s a strange thing that seems to happen when you’re deep in the trenches of house hunting: The more you look, the longer that wish list seems to grow. But sooner or later, you have to own up to the fact that you can’t have everything—it’s inevitable that you’ll make some compromises somewhere.

And, in these days of tight inventory and cutthroat competition from other buyers, you might feel forced to waver far afield from your hallowed wish list in order to land a home.

That’s OK—it’s important to be flexible. But there are a few times when you absolutely should draw the line. Here are seven areas where you’ll want to dig in your heels.

1. Buying a fixer-upper when you really want turnkey:

You have never swung a hammer, have a phobia of power tools, and always pictured yourself in something new and shiny. But that doesn’t mean you won’t fall in love with a charming, century-old farmhouse that needs a ton of work. Now’s when you have to decide: Are you up to the financial and emotional challenges of taking on major renovations.

It’s an option you should seriously consider (with the help of an experienced general contractor) if you’re in a highly competitive market. But if you don’t think your bank account or your marriage could survive many months of upheaval, stick to your guns and insist on a turnkey home says Mike Kessler, a broker with TSG Residential, in Davidson, NC.

“There have been times when I’ve said to clients, ‘after being with you for a week, I really think we need to look at new construction,'” Kessler says. Many of those clients, he adds, were later grateful for the course correction, saying, “We would never have been able to enjoy ourselves in [an older] house.”

2. A good school district:

Even if you don’t have children, you should make sure the house you’re eyeing has desirable schools nearby, says Tina Maraj, a Realtor® with Re/Max North Orange County in Fullerton, CA.

Does it matter if you’re not looking to have a few kids? Well, things can always change. But even if they don’t, good schools typically translate to a higher resale value—potential buyers with families will want to be in the right district.

Just make sure to do your research and determine where the home sits in relation to the school district boundaries.

“Often agents will advertise a property as being near such-and-such school area, but not necessarily specify the district, which can be very confusing,” Maraj explains. “It can be a real eye-opener if a buyer closes and they’re on one side of a main street that is the dividing line between the top-rated and the lowest-rated high schools.”

Go to the school district’s website to get a map of the district boundaries.

3. The floor plan:

Does the home fit your minimum criteria in terms of number of rooms and the flow of the main living areas? If not, cross it off your list, says Sarah Garza, a Realtor and military relocation specialist with Trident Homes Realty in Arnold, MD.

Garza can share some personal cautionary tales: A military spouse, she’s moved 12 times in the past 20 years, buying and selling nine homes in the process.

“I regret that I compromised on layout in the past,” she says. “When I really needed four bedrooms, I’ve gone to three and then wished I hadn’t.”

Sure, you can add on. But don’t use that option as a fallback, Maraj warns.

“You can change a layout to make it an open floor plan, but it’s a lot more difficult to change the bedroom and bathroom count,” she says. “In the long run, you could end up having a lot of problems and taking on a really big financial undertaking.”

4. The neighbors:

During your search, don’t just focus on the house you’re interested in—check out the neighboring homes as well, Maraj says. Are the properties well-kept, or candidates for an episode of “Hoarders”?

The condition of the properties around you can affect your future resale value. And they can just plain drive you crazy. Make sure you look—and listen—any time you visit your prospective home.

“You can’t change the house in front of you or to the side of you,” Maraj cautions. “And if there’s a barking dog every time you’re viewing the property, that’s another thing that you absolutely cannot change.”

5. Your budget:

You’ve probably already determined how much you’re willing to pay for a home—and you shouldn’t budge on that number. But you should also dig in your heels on the additional costs beyond the sticker price. That means setting a budget for your monthly payments, HOA dues, utility costs, and real estate taxes—and sticking to it. (Hint: You want to do this before you start looking at homes, and definitely before you start making offers.)

Yes, a lender will give you a pre-approval and tell you how much house you can afford. But this is just one piece of the puzzle, and the costs of homeownership can still land you in a mountain of debt if you’re not careful, Kessler points out.

“I try to do a lot of pre-planning with clients about what can they really afford, as opposed to what the bank tells you,” Kessler says. “You never want to be house poor.”

6. Commute time:

If you’ve already determined that you’re willing to take on a 30-minute commute, don’t allow yourself to be swayed into anything longer, Garza says.

“Sometimes buyers fall in love with all the shiny bells and whistles of a house that’s an hour away from work, and want to compromise on what they’ve told me from the beginning,” she notes. “I tell them, ‘I know it doesn’t matter right now because you really love this house, but that’s two hours every day that you’ll be sitting in the car and not enjoying your house. Is that worth it to you?’”

She adds: Until you’ve actually driven the route to and from your potential home and your office, at the times you’ll be commuting, you should never consider compromising.

In some large cities, being just a few miles from the highway can tack on an additional hour of commuting. Could you handle that after a long day in the office? Think carefully before making the sacrifice.

7. Parking:

Speaking of your car, if you own one (or two), you absolutely want a guaranteed spot to park, whether that means an enclosed garage, a driveway, or assigned parking.

“There are many communities that now restrict outside parking, guest spaces, and overnight parking, which could be a real homeowner nightmare if you have to fend for yourself,” Maraj says.

To avoid frustration after you’ve closed a deal, stick to your guns about the things that are most important to you while making your choice, and ignore the rest of the noise.

The Style Guide to Reimagining a Potential New Home!

September 30, 2017

By: Sarah Fogle

Mix don’t match and 4 other savvy ways to design your dream home.

Exposed brick, black and white, French doors. If you asked me what classic aspects of design I’d like in my dream home, I’d probably check every box. It’s that eclectic mix of old and new, home and travel, fun and sophisticated that can make buying a home and decorating it such an exciting challenge. But surely, at one point or another, many classic features were once a trend — the new thing on the market that everyone had to have.

However, unlike the way shoulder pads and babydoll dresses stuck around for what seemed like decades, the advent of the internet and Pinterest seems to speed us more quickly through the things that are new, and then now, and then passé. “Trend” has become a dirty word — almost synonymous with stuff that’s so of-this-minute that we’ll blink and it’ll already be outdated.

But does it really have to be this way? In my opinion, no.

As much as I might like bohemian and French, industrial and mid-century, and even coastal, I have a limited budget. I can’t afford to constantly replace the stuff that goes out of style. After all, I specifically decided to buy instead of rent to avoid wasting money on things that aren’t a return on my investment!

So, I chose to find a house with good bones — the kind of home with the right space, the right light, and a layout I can invest in for a few years. And after DIYing for the better part of a decade, I’ve learned a few good rules for making sure the home decor I choose lives up to those same investment expectations.

#1 Mix Instead of Match:

I suppose you could call my style “global eclectic.” But really, that’s just a fancy way of saying, “I often don’t like any one particular style, and matchy-matchy just isn’t my thing.” I have a Moroccan-inspired peacock mirror in the hallway, modern blue dining room walls, industrial bar stools in the kitchen, sheepskin draping over my chairs in the living room, and antique items sprinkled everywhere. Not any one style really reigns!

In my mind, decorating where it looks like a single store threw up all over a single room is a quick way to Outdatedsville. Collecting pieces from different trendy styles keeps things fresh and unique. Take, for example, Beth from “Home Stories A to Z.” Her gorgeous bathroom mixes subway tile, global-inspired cement tile on the floor, modern urban fixtures, and farmhouse features like shiplap walls and vanity. Stunning!

#2 Give Trendy Features a Limit:

Large items like couches, beds, and architectural details (like French doors) can still be fun and interesting, but I tend to play it safe by picking one feature on that item that’s somewhat trendy, such as exposed legs (often seen in mid-century furniture), but with a fabric that’s neutral. Rather than going with a piece of mid-century furniture (trend) in the color of the moment (trend), you choose one or the other. It translates well from one style choice to the next. It also lets all of the other, more permanent features stand out, such as a cool archway (or in my case, the big bow windows!).

#3 Edit, Edit, Edit:

Trends that you wind up loathing over time are the ones that you see everywhere. They’re like that boyfriend you fell hard and fast for, and then woke up one day and can’t stand his laugh. Some things are simply never meant to stick around, and that’s OK. Just make sure these aren’t the pieces you invest in. For trendy items, look to bring them in through accents. When you tire of them and want to try out something new, you can then switch them out without making your wallet wince in pain.

Clutter is also what makes a trend look dated. It steals attention away from cool architectural features that should get more of a spotlight (like my big windows, which again, I LOVE). Too much of a good thing is never wise (except breakfast food). So when you like something, go ahead and try it out, but layer it in rather than buying every item of a single collection. Edit out the pieces that don’t fit, and you’re set.

Stacy Risenmay knows this more than most. With her tiny 1938 home filled with four boys, she’s an expert at getting rid of what isn’t needed while still making her house look gorgeous and full of style.

#4 Remember That Styles Are Cyclical (So You Can’t Really Go Wrong):

These days, a lot of trends are about nostalgia (subway tiles, open shelves, old-school kitchen faucets, reclaimed wood, etc.), so it should come as no surprise that plenty of what we call trends are cyclical. They’ll come into fashion, they’ll be overdone to the point we are tired of seeing them, we’ll move on, and then when it comes back in style, we’ll find it refreshing again.

But what is it that keeps these things coming back again and again? It may sound cheesy, but I think it’s all about the way we feel in a space — a happiness and simplicity. That’s why I like the concept of “classic with a twist.” Sure, it could be out of date as far as what’s popular in stores over the next 10 years, but the “classics” I see trending lately are just a recycling of a period that already came and went. That’s really kind of great, because it takes the pressure off. Finding a twist on an older design rather than reinventing the wheel is a simpler goal and something I’m less likely to mess up.

Take, for example, my kitchen’s two-tone cabinets. It’s a vintage look that was made popular again over the last 10 years, and although it won’t be everyone’s cup of tea, I get compliments on how retro and modern it looks at the same time.

#5 Focus on Your Faves:

I hate burlap. HATE it. But you know what? Some folks love the look of it so much, they make that scratchy fabric into pillowsthat they lean against in their bedrooms every night. But I’ll admit, as I’ve seen the use of burlap grow in popularity or used in a beautiful room, I question whether or not to buy some for a table runner. The key of knowing when you’re liking something versus being influenced by outside forces? Your gut.

Some homes just have that “it” factor. And you walk away from that house wondering if you too should buy all of the same stuff they did. But it’s not really the couch that’s making the house feel that way; it was that the person who picked it out did so because they freaking love the item.

Take Charlotte’s sofa, for example (below). She knew she was dropping a lot of money on it, she knew it was green, and she new it was velvet. But she dove right in. It makes the space, but if you knew her in person, you’d also realize that no other sofa really quite captures her the way this styling does!

I doubt any reader who has checked out my blog could accuse me of being trendy. In fact, I never really set out to be the kind of DIYer who put a clever spin on everything I touched. And that’s OK, because all I’ve ever really wanted to do is give myself a house that I enjoy living in. So, I pick out pieces that truly speak to me, and forget the rest.

Mixing antiques with modern pieces makes the whole house look like it was collected over time (because it was), but also adds personality unique to me and how I express my style — one that can’t be repeated as easily as shopping through a catalog.

At the end of the day, it’s my home, and the important thing is to make sure that I’m buying it, installing it, etc., because I enjoy seeing it every day — not because someone has once again done something really spectacular with plywood. (I’ll still pin the heck out of it, though!) I truly believe that’s what makes a home both trendy and timeless simultaneously. Loving the home you live in never goes out of style.

Can You Afford That? 6 Easy Ways to Find Out!

September 27, 2017

By: Mary Beth Storjohann

How to make sure your craft beer hobby and monthly mortgage payments can co-exist.

If you’re considering purchasing a home, you’ve likely already considered how much you have available for a down payment, what an ideal mortgage payment would be, and how much home you can actually afford based on your monthly income. But what about your lifestyle?

Have you considered how much wiggle room you need to leave in your home budget to enjoy life? Here are six life factors to consider when buying a home:

1. Travel:

Travel is an important goal for many people. Think about the travel goals you have for yourself:

•Where do you want to go?

•What do you want to see?

•How long are your ideal trips?

•How much money would you need on an annual basis to make your travel goals possible?

•Is this already factored into your budget or will you need to cut back on travel to fund your monthly mortgage payment and home expenses?

There are no right or wrong answers, but it’s important to reflect on your priorities.

2. Green Thumb?

Do you love gardening, being outside, and all things landscaping? If you purchase a home with a lawn and don’t enjoy the upkeep, you could be looking at an extra $100 or more a month for professional landscape maintenance. Are you willing to skip the lawn in favor of hardscaping to reduce costs?

Bottom line: Factor hobbies and services into your monthly budget to see if the numbers still work out in the black.

3. Pool Time

How dreamy would it be to buy a home with a pool!? Before the dream becomes reality, add up the costs of pool maintenance and servicing, energy, and insurance (along with liability if you have small children) and you may be better off heading to the neighborhood swimming hole.

Pools can be a lot of fun, but they come with a lot of work. Factor time and money into your future plans when buying a home with this special feature and, once again, ask yourself if the numbers add up to support your other financial goals.

4. Children:

If you’re buying a home and plan to start a family in the next few years, don’t just consider the amount of mortgage you can afford under your current expenses. Factor in daycare costs and then determine what your cash flow will look like. You may have to adjust the amount of home you’re looking to purchase.

5. Entertainment:

Chances are you enjoy dining out, going to concerts and sporting events, and seeing movies. If you need to rein in these activities to make room for your mortgage, home expenses, and savings, aim to strike a balance that won’t leave you feeling restless.

After all, you’re likely choosing a 30-year mortgage, and three decades is a long time to feel deprived. If necessary, reduce the amount of home you purchase so you can enjoy yourself in the ways that are important to you.

6. Retirement:

If you’re in your 20s, you should try to save 10% of your income; in your 30s, you should be saving 15%. If you need to cut back on your retirement savings to make a home purchase work, think hard about when you’ll be able to get back to your ideal contribution levels and how much you may be losing out on during that time.

Although home ownership can help build long-term wealth, it’s important to also maintain retirement savings for future security.