Itching to Start a Project? Don’t Forget These Four Key Tips to Avoiding Renovator’s Remorse

Itching to Start a Project? Don't Forget These Four Key Tips to Avoiding Renovator's RemorseTake a look around your home. Do you feel that burning desire to renovate or upgrade certain areas? Perhaps it’s the kitchen countertops or the décor in the master bedroom. Whatever the case, if you’re itching to take on a home renovation project you’ll want to ensure it’s one that makes your life better – not worse! Let’s take a look at four tips that will help you to avoid experiencing “renovator’s remorse.”

Ask Yourself: Will This Project Add Value?

If you’re renovating to build equity in your home, you’ll want to determine if the project is worth undertaking. There are many renovations that might seem to make the home more appealing, but in truth add next to no value that can be realized later when you sell. Be sure to choose those projects which will bump the home’s value by a significant amount.

Start With A Realistic Budget

Ask any friend or neighbor that has renovated their home and you’ll discover that costs can quickly spiral out of control if you’re not careful. With this in mind, it’s a good idea to start with a realistic budget that incorporates some additional room for last-minute tweaks or changes. Once you have the project scoped out, take a trip to your local building supply store and chat with the professionals. They’ll be able to help you understand what the actual costs of your renovation will be and they can point out things that you may have forgotten.

Measure Twice, Cut Once

Even the most skilled carpenters and tradespeople make mistakes, so you should rest assured that it can happen to you. Even if you have to go over your plans twice or three times, it’s worth knowing exactly what you’re going to do before getting started. As the saying goes: “measure twice, cut once.” Spending the necessary time preparing your work will go a long way in saving you time and money later.

Don’t Start If You Can’t Finish

The last piece of advice is to finish any home project that you start. A half-finished renovation project can degrade your quality of life significantly. And the longer it takes to get done, the less motivated you will be to finish it. Stay on task and get the job done as soon as possible.

Community Living: The Quick and Easy Guide to Starting a Community Garden

Community Living: The Quick and Easy Guide to Starting a Community GardenAh, the city. With so many people living in an urban landscape these days, it can be hard to find anything more than a planter on the balcony for your herbs. And good luck finding space for vegetables or large flowering plants! Fortunately, coming up with a community garden can be a great way to get the locals together. If you’re wondering how to get started with this fun project, begin with the following guide.

Find The Right People

Organizing your own community garden can seem overwhelming at first, so it’s important to gather a group of like-minded people that are interested in the idea and have the same passion for it that you do. Whether you decide to use a site like Meetup to get a group together or you have a variety of friends and neighbors who might be interested, ensure your group has both gardening and planning skills to bring to the table.

Research The Local Community

You’ll want to choose a site that’s not too far from your home, so talk to local horticultural organizations and your city or community center for information on available areas of land. Once you know the details, it will be easier to determine what exactly you’ll need to do to fund and develop the area. You might decide to cover the startup costs on your own, or you may want to create a small society which can be sponsored by local businesses. There may even be loan programs in your area that are available for your project, so ask around.

Start The Planting Process

Once you’ve determined who your crew will be and where you’ll be creating your garden, it will be much easier to move forward and determine what exactly your garden will be. Do you want it to be a collective which you all share together? Or do you want separate plots so all your members can do whatever they like? Once you’ve decided, the launch date can be the ideal time to throw a garden party and get everyone in on the fun.

Growing vegetables and planting your own garden has become a more popular pastime in recent years, and it can be easier than you think to get your very own community garden started. If you’re looking to buy a home in a garden-friendly new community, contact your trusted mortgage professional for more information.

Living Under Water Restrictions? Transform Your Garden With These Succulent Plants

Living Under Water Restrictions? Transform Your Garden With These Succulent PlantsIt can be difficult to deal with water restrictions if you’re a bit of a green thumb and don’t want your beautiful plants to go to waste. Fortunately, there are plenty of succulents out there that can be quite striking and will still be able to store the water they need to survive. If you’re looking for some low-maintenance plants that thrive in the dry season, here are a few succulents that will do the trick.

The Christmas Cactus

Known as the Christmas Cactus, this plant can be a great way to get the beautiful flowers of summer without all of the water consumption that’s usually required. While the flowers will come out in the fall, you’ll want to ensure that you fertilize this plant during the summer months and leave it in a low-light spot where it won’t dry out too quickly.

A South African Succulent

Crassula ovate, commonly known as a jade plant, hails from South Africa and has the vibrant, glossy look of a plant that gets watered all the time. Fortunately, you can allow the soil to dry completely before you water it again since overwatering this type of plant will kill it. It’s easy to tell if your jade plant needs water. Once the leaves start to lose their shine, it’s time to get out the watering can.

The Snake Plant

If you’ve seen this type of succulent before, you’ll likely recognize it from its name, which accurately characterizes the long, thin and pointy leaves that jut out from its roots. While this plant will want to indulge in a little bit of light, you can leave it for a long time without having to water it. Just ensure the soil is dry before you pour!

Plant A Pincushion

When people think of cacti, it’s the pincushion variety of cactus that most often comes to mind with its short, pointed frame and multiple clusters. In addition to being easy to take care of and loving the sun, you should let this pint-sized plant dry out completely before giving it another drink. Much like the Christmas Cactus, it will also need to be fertilized in the summer.

It may seem impossible to maintain a garden under water restrictions, but there are plenty of unique succulents out there that can add a lot of variety to your home. If you’re currently in the market for a new home for all your plants, contact your trusted mortgage professional for more information.

Finding Your Latte Factor: 3 Ways to Find the Money to Make Extra Mortgage Payments

Finding Your Latte Factor: 3 Ways to Find the Money to Make Extra Mortgage PaymentsIt’s not uncommon for a homeowner to want to pay more than the minimum monthly mortgage payment on their home. However, just because it can seem hard to come up with the funds on a monthly basis doesn’t mean it’s not possible to find the money for extra mortgage payments each year. If you’re wondering how you can pay down your mortgage debt much sooner with extra money, here are some tricks you may want to try.

Relinquish Your Refund

Many people look forward to tax time because it’s an opportunity to spend their refund on shopping, dining or a much-needed vacation. However, using your tax refund to pay down your debt can actually be a satisfying way to put more down on your mortgage and achieve something lasting from that extra bit of cash. While you may want to set some aside for an outing or a special treat, the amount remaining on your mortgage will seriously benefit from the extra payment.

Re-Tool Your Budget

If you’ve been successful at making your mortgage payments, it’s likely that you have a working budget that you stick to each month. But like any plan, a budget can change. If you haven’t done so in a while, it’s worth sitting down to re-calculate your monthly income and expenses. There’s a good chance that some expenses exist that you can pare down or get rid of entirely. While it may not make a significant difference in one month, small amounts will add up over time.

Plan A Yard Sale

It’s easy to acquire a lot of things that you don’t necessarily use, whether it’s technology or kitchenware or home decorations. Fortunately, planning a yard sale for your infrequently used items can be a great way to come up with a small fortune to pay off your mortgage sooner. Of course, you’ll need to be ready to haggle to get the prices you’re looking for. And don’t forget to get the locals involved and make it a neighborhood event for even more selling success.

It may seem nearly impossible to come up with the money to put more down on your mortgage, but using your tax refund and re-tooling your budget can easily add up to savings that make a difference! If you’re considering buying a new home in the future, contact one of our mortgage professionals for more information.

$100 Well Spent: 5 Useful Home Upgrades That Cost Less Than $100

$100 Well Spent: 5 Useful Home Upgrades That Cost Less Than $100Whether you’re trying to improve the look of your home or are getting ready to put it on the market, the idea of renovations might seem like a significant financial burden to take on. Fortunately, there are a variety of easy solutions for improving the look of your home without spending a lot of money. If you’re wondering how you can spend $100 wisely, look no further than the following upgrading tips.

A Funky Light Fixture

It might seem like a cool light will cost an arm and a leg, but there are plenty of options available on the market that will instantly add a unique touch to your place. Whether you decide to go mod or classic, a fixture can draw the eye and instantly add interest to a room.

A Makeshift Curio Cabinet

In these days of smaller living, many people have to pile their stuff into closets and cabinets in order to make it all fit. Fortunately, a bookcase-cum-cabinet can be an inexpensive purchase and can house a variety of items like books, dishes and appliances for an easy, eclectic look.

Covering The Cabinets

Kitchen cabinets are often one of the first things to show age in a home, but getting out the can of paint can be a great way to instantly modernize their look. While you’ll want to go with a neutral tone that will compliment the space, the right color can add instant oomph.

Re-Upholstering A Chair

There are pieces of furniture in your home that you may be tired of looking at, but there’s an easy way to improve them without buying new: re-upholster! By trying out a new fabric on one of your favorite chairs, you might be surprised by how much it improves the room.

Paint Does The Trick

Painting may be one of the least popular renovation tasks, but few things are as successful at improving the look of your home as a fresh coat of paint. Instead of going all out with a bright color, choose a neutral shade that complements the furniture for an instant brightening effect.

Home renovations may seem like an expensive endeavor, but you can easily improve the look of your home with a new light fixture or by giving your furniture some love. If you are interested in making valuable renovations to your home, contact your trusted mortgage professional today.