Home Renovation on a Budget — You Got This!

Are you tired of looking at the drabby paint on your walls, the outdated cabinets, worn furniture, and stained carpets? Your home is overdue to be remodeled, which is on your wish list. However, you are afraid of what the cost might be. Unless you want a major overhaul, you can still spruce up your home and improve its appearance and functionality without going broke. The following are some budget-friendly ideas for renovating different rooms of your home.

Refurbish, Reupholster, and Refinish

You can minimize the cost with these suggestions — whether you want to change cabinets, furniture, flooring, or curtains. For cabinets in fairly good condition, you can opt to repaint, reface with a contemporary style, or add new doors. For furniture and curtains, trade the worn-out, faded material on your couches and chairs with a different texture and color. You can save additional money by using the same curtain rods and rings and finding fabric you can sew yourself. Refinish or recoat hardwood floors without replacing them. There are peel-and-stick flooring options that you can apply over the existing surface. The old carpeting can be removed to reveal useable hardware flooring you can restore cheaply.

Renew Kitchen Surfaces and Appliances

Usually, the messiest and grimiest area is where you cook and eat. Periodically you will need to replace appliances and refresh the overall appearance. There are many materials available to fit your budget. For essentials like refrigerators, stoves, and dishwashers, it’s possible to replace them inexpensively with package offers or discounts on multiple purchases. You can also learn how to install an appliance to save an extra $100 to $500. If your oven is new or still in good condition, all you may need is to add a new backsplash. You may also want to consider new countertops since they are one of the most worked surfaces. Check on deals with your local store and tile companies.

Create More Open Space Without Increasing the Size

Increase efficiency without knocking out a wall to expand your home. You can replace bulky cabinetry and large shelves with vertical cabinets with pull-out drawers wide enough to store racks for pantry items. Need a kitchen island to prep meals? You can use a simple stand-alone table and add wheels for easy moveability.

Declutter, Add Color, Style, and Lighting

Improve the livability of smaller rooms, such as your bathroom, by adding a storage closet, vanity, or medicine cabinet. Peel and stick wallpaper can save time and labor if you’re not ready to paint. Add new hardware to give your room more of a modern flair, such as updating knobs and drawer handles. Save on cost by finding recycled fixtures. Brighten a windowless room with a light tube that funnels in natural light. Add wainscoting trim to dull walls and ceilings to add texture and detail.

A simple, cost-effective renovation can breathe new life into your living space and bring you a renewed sense of accomplishment without financial hardship. From your biggest, most lived-in rooms to your tucked-away areas, there is always an affordable solution to get your home in tip-top shape again.

Make Sure Your Home Is Ready for Winter

If you do not live in a warm, tropical climate, the fall months are the best time to get your home ready for freezing temperatures, snowstorms, and icy conditions that lie ahead in the wintertime. Without the proper care and adherence to a maintenance routine, your living space and appliances are prone to damage that can lead to considerable costs for repair and high energy bills.

Protect your home and property by reserving some autumn weekends to check the interior and exterior space for proper drainage, protection from winds, and insulation from the cold. You also want to ascertain that all your heating appliances are in tip-top shape. Here is a checklist to help you get through your maintenance schedule in time for the onset of old man winter.

INSULATE PIPES. Pipes that run along unheated areas can freeze and burst when temperatures drop to 32F and below. Protect them with foam or blown-in insulation you can purchase at a hardware store.

CLEAN OUT GUTTERS. Avoid clogs that can damage your shingles or roof. Use a strong ladder or get a handyman to help. Use work gloves to scoop out leaves and other debris that can block proper drainage. You can also purchase gutters with leaf guards to keep maintenance minimal.

DRAIN SPRINKLERS, UNHOOK HOSING, AND TURN OFF EXTERIOR FAUCETS. Like pipes, these can expand and crack when frozen. Remove any residual water or get help from a contractor who can blow out the water with compressed air.

INSTALL INSULATION. Block drafts by stripping around windows and door frames. Silicone caulk is best for exterior use because it is impervious to the elements. For baseboards, use paintable caulking.

GET YOUR FURNACE CHECKED. Hire an HVAC Contractor to inspect all parts and replace the filter with one that will easily trap particles. Ensure it is operating efficiently and that there is no carbon monoxide leakage.

FIREPLACE CLEANING AND INSPECTION. Gas fireplaces should be inspected every three years. However, wood-burning fireplaces require annual cleaning by a certified Chimney Sweep to prevent the ignition of soot build-up.

TEST YOUR SUMP PUMP. Slowly pour several gallons of water to check that it will turn one, especially during a previous dry season or before rainfall.

INSPECT YOUR ROOF. Check for damaged, loose, or missing shingles that could cause a leak from melting snow and storms. Hire a handyman for small repairs or a roofer for larger sections.

PREPARE FOR SNOW AND POWER OUTAGES. Be ready for an emergency and proper snow clearance. Restock rock salt and check that your snow removal tools are operational and in good condition. Have a generator handy in case you need a backup of power.

MAINTAIN OUTDOOR PLANTS AND TREES. Trim dead branches that could fall and cause major damage. Add mulch to insulate plant roots from low temperatures. Cut back perennials to eliminate harmful insects that may hibernate and resurface to impede spring growth.

Fall is fun for pumpkin carving, farm festivals, and comfortable, cool-weather hikes. Set some time to enjoy activities and appreciate nature. However, don’t put off the tasks needed to prepare and protect your greatest asset, your home. The fall months fly by, and before you know it, you are faced with the unforgiving harshness of mother nature. Be ready and armed with that first snowflake, a gust of wind, and a dangling icicle until you can let your guard down again in the spring.

Signs That You May Need a New Roof

We often take the roof above our heads for granted because we know it will protect us from the outside elements. Ultimately, we face the harsh reality that it will eventually age and need to be replaced. A worn and damaged roof can cause significant interior and exterior damage to your home if left unattended. Some roofs last longer than others, but with time, weather patterns, and unexpected circumstances, eventually, it will be time to replace this major protectant. Knowing the early signs or what to look for is the first step in determining whether it’s time to replace your roof. Accordingly, you will be able to minimize repair costs, injury, or property damage by noting the indicators, then taking action.

The following are some major signs that you may need to fix or replace your roof.

Leaks

Water leaking from the ceiling or light coming through the top of the house or your attic is one of the most obvious signs of roof decay or damage. If you don’t yet detect a leak, it will eventually make itself known through water stains, peeling paint, disintegrated insulation, or mold growth. If unsure, check for weakened seals around vents that could also lead to seepage, or you can test for leakage during dry weather by spraying the roof with water from a garden hose.

Damage to Shingles, Flashing, and Gutter Guards

Shingles in decent shape will lie flat against the roof. If patches are cracked, buckling, curled, sparse, or missing, this could be a sign that your roof is at the end of its durable life. Some other signs could be that you spot grit or fragments in your gutters and downspouts or the roof surface sagging from trapped moisture. Moss can also indicate trapped moisture, which can ruin the roof. You can carefully remove moss with a stiff brush, but addressing any underlying problems is important.

Roof Age

Check records to see how old your roof is and if it’s time to be replaced. A typical asphalt roof lasts between 20 and 25 years, while metal and slate last much longer. If the top is younger than 15 or 20 years and there are only a few damaged shingles, it may only need repair. When in doubt, consult with a licensed roofing contractor. Another good indicator is that your neighbors with similarly aged homes as yours may be having their roofs replaced around the same time. That may tell you it’s time to replace yours.

High Heating Bills

If you’ve seen a steady increase in your bills every winter, this could indicate a poorly insulated roof. Once a roof begins to deteriorate with age, so does the home’s energy efficiency.

If you are good and attentive with inspecting your home for these telltale signs, this saves you time and frustration with guesswork. However, if you are unsure whether your roof needs a simple repair or major replacement, have a roof specialist provide a thorough inspection. If you need a replacement or even a patchwork repair, a professional can guide you by explaining all the options regarding durability, style, and cost.

Should You Sell Your Home in the Fall?

Spring is the most popular time to sell a home, yet there are some advantages to getting your house on the market in the autumn months. Although you may feel you have missed out by not putting your house on the market in the spring, the fall months for selling your home could be a feather in your cap. Look at the following four benefits to selling your home in the fall, along with tips for leveraging those to find a buyer.

Demographics Most Likely to Buy in the Fall

Serious homebuyers for this time are often millennials, empty-nesters, or relocated employees without children. Without having to consider a new school year, they are more apt to buy before the end of the year to lock in mortgage rates, avoid the hassle of a move in the winter weather, or get settled in a new location for their job before the start of a new year.

Less Inventory—Less Competition

Homes listed for sale are generally lower in autumn, so you are not competing as much with other buyers. While sellers are more susceptible to the pressure of buyers’ demands during the peak season, you have a better chance of attracting buyers to your home and getting them to accept your selling price during a slower period.

TIP: Get professional assistance with pricing your home and the right strategy for selling during the off-season

Seasonal Attractiveness

The fall brings vibrant colors, a cooler temperature, and more choices for décor. The heat and humidity of summer have mostly passed, and the new season of harvest and festivals lures people out into the environment. It is a time when people may want to make a big purchasing decision before the rush of the holidays and the end of the year.

Improve the curb appeal of your home and stage the inside. You can do this in the following ways:
1. Clean and De-clutter
2. Replace dim lighting
3. Add flowers
4. Paint and caulk
5. Purchase new pillows, curtains, and candles
6. Re-arrange your furniture for better social interaction
7. Use gas or electric fireplaces for ambiance
8. Don’t overdo decorations.
9. Photograph the property while you still have natural lighting.

Quicker Closing

Since the fall tends to be an off-peak season with fewer home sales and real estate transactions, your closing should go quicker and with less stress. You should be able to book with mortgage lenders, home inspectors, attorneys, and other vendors related to your home’s sale without delay or hassle.

There is never a right or wrong season to sell your home. Although spring may lure many enthusiastic families into wanting to buy in the warm weather, the fall can be equally enticing for others. You’ll find that many are motivated during this time to buy because they want to settle in before the winter and holiday season. Still, whatever season you decide to sell, it’s always important to prepare your home adequately and know the strategies to attract the aptest buyers.

Is Your Home Ready for Climate Change?

With the planet growing increasingly warm, the climate is changing rapidly. It’s not just getting hotter, it’s also getting colder, and stormier, and drier, and more extreme in every dimension. As a homeowner, you’re going to have to make sure your house can keep up with all that nature is trying to throw at it, no matter where you live. Is your home ready? Here’s a short list to check.

Do You Know Your Climate Risks?

Before you can get your house ready for the weather, you need to know what risks you face. The normal weather hazards you grew up with may be changing dramatically as some areas get warmer and wetter. If you were once in an area that was prone to dramatic weather shifts, watch for even more dramatic weather, and keep track of the new challenges that seem to repeat. These are the hazards to prepare for. Long-term weather forecasting can help somewhat, but those models can’t always account for things like drought and wildfires.

Insulate and Weatherproof Your Home

No matter what kinds of climate shifts your area experiences, there’s absolutely a benefit to adding insulation and sealing the cracks in your home. Insulation works both ways: it keeps the warm in where it’s cool and it keeps the cool in where it’s warm. Sealing and weatherproofing further help you spend less on energy on extreme weather days and can help keep pests out of your home too.

Consider a Household Generator

When the weather gets dramatic, the true fragility of the power grid starts to show. Whether it’s an ice storm in January that pulls down branches and power lines, extreme heat that taxes the power grid so much that rolling blackouts are required to keep things going, or wildfires or hurricanes that temporarily, and unpredictably, cause power outages, a household generator can be a good solution.

Because they run on propane or natural gas, you don’t need electricity to keep your house powered through the worst kinds of weather, just enough gas to run the motor and generate electricity for your home.

Add Big Drains for Big Rains

If you’re seeing more rain than usual, a quick and dirty solution can be adding a sump pump under your home or in your basement. Even if you never use it, having a sump pump and a drain to match will ensure that you’re not going to be underwater when torrential rains dump inches and inches of water on the ground.

Sump pumps might be no match for dramatic flash flooding, but adding yard drains and ensuring that your yard is properly graded can help you move water away from your home faster, no matter how much is pouring from the sky.

Protect From Wind and Flying Debris

Tornadoes and hurricanes are terrifying, especially in areas that don’t normally see these kinds of wind events. If you’re starting to hear more about high winds in your area, it’s time to protect your home from flying debris. Although covering windows with plywood will work in a pinch, permanently installed storm shutters are even better. You can close them over your windows in no time, and reopen them when the threat has passed.

A storm shelter can also be a good thing to have around if you’re in a storm-prone area. Although storm shutters are great to protect glass from flying debris, in case the roof comes off in a storm or a tree falls on your house, you still need to be somewhere safe. Storm shelters are great for homes without basements, especially where tornadoes and fast-moving but short-lasting, winds are a problem.

Considering Adding a Firepit This Year?

There are few things that carry the feel of fall like sitting by a fire on a cool autumn night. Of course, not everyone lives somewhere where they can just build a bonfire or even set up a little campfire at a moment’s notice. Fortunately, there are options available for those who want the ambiance and experience of sitting by the fire without the hassle and liabilities that go along with building bigger fires. The best option is installing a firepit in your yard or even on your deck for those days you want to just relax by the fire.

Not all firepits are created equal, however. While you could pick up a cheap firepit somewhere and just set it up, if you really want to maximize the experience and get the most out of it, then you’ll want to do a bit more planning and create an area where you can really enjoy it. This will also help to ensure that the firepit is set up safely, so you don’t accidentally create a fire hazard or other dangerous situation in your yard.

Firepit Considerations

First and foremost, you need to make sure that your firepit is safe. This involves not only installing a firepit unit that is structurally sound, but also installing it in a place that is stable so that the firepit won’t tip or shift in such a way that it could spill its contents or fall over. Regardless of whether the firepit is being installed on a deck, on your yard, or buried in the ground, safety and stability should be your primary concerns.

This could mean that you’ll have to do a bit of construction around the firepit or add stone or concrete underneath it to create a solid and stable surface for it to sit on. Once the firepit is in place, you’ll want to try moving it in different directions to make sure that it doesn’t shift or wobble. You should also inspect it for dents, cracks, or other signs of damage that could become a bigger problem down the road; you’ll want the firepit to be structurally sound before it’s installed, and if you see signs of damage now then you’ll want to get those repaired before you finish the installation.

Cozy On Up

Once you’ve got the perfect place to put your firepit and you’ve confirmed that it’s safe to operate there, you’ll want to build out the area around it. While you could just use folding chairs or other temporary seating, it’s almost a shame to go through all the trouble of setting up a firepit just to then skimp on the seating. A better option is to get matched seating to go around the firepit to help add ambiance to the location while also giving you somewhere to sit.

This can come in a wide range of forms. You could go with nice wooden seating, Adirondack chairs, metal seats with cushions, or even wicker seating to go around the firepit. Rounded benches or other connected seating are also a good idea, giving you multiple seating options, while also being stylish and literally making the firepit the center of attention. Regardless of the type of seating you go with, try to match the colors and style of the firepit to your seating, and you’ll really be able to tie it all together.

Setting Up Your Firepit

After you get everything else sorted, setting up your firepit is largely a matter of getting it in place and securing it or otherwise ensuring that it’s stable. If you have a firepit that runs on propane or other gas, then you’ll also have to run pipes to feed it; this is a less common scenario, though, since many people who want a firepit want the smell and experience of burning wood.

If all of this seems like more work than you’re comfortable taking on, though, you can always call in a professional.

Home Appraisal Myths Busted

Most things to do with buying or selling a home can be pretty stressful, from finding the house of your dreams, to securing the financing, all the way through to closing. But for most transactions, everything, absolutely everything, hinges on the home appraisal. This is probably why so many myths and misconceptions have grown up around the process. We’re here to help you sort the truth from the stories.

Myth #1: Home Appraisals and Home Inspections Are the Same

This couldn’t be further from the truth. The sole purpose of a home appraisal is to determine the value of the home, in that moment, in those market conditions, in the shape that home is currently in. A home inspection, on the other hand, determines the condition of the home, along with any major defects, in the moment when it’s being inspected.

The waters get muddied when buyers are securing FHA or USDA loans, which require an additional loan-specific inspection be performed by the appraiser. This particular kind of inspection is there to ensure that the home meets the loan’s minimum standards, not to determine the overall condition of the home. Always have a home inspection, it’s a much different thing.

Myth #2: Home Appraisers Create Market Values

Although the home appraiser will assign your home a rough value, the work they do is actually based on a thorough study of the current real estate market’s conditions, the condition of the home, the value of each component of the home, the value the neighborhood contributes, and a myriad of other factors, as well as the fact that a buyer was willing to pay the amount of your contract for the home.

So, while any individual home appraiser could be considered to be contributing to market values, they in no way set them. You can think of them more like a reporter, simply telling the story of your home and the things in it, for better or for worse. They see homes every day and understand what a dollar will buy in their particular markets.

Myth #3: If You’ve Had an Assessment, You Don’t Need an Appraisal

While an assessment is a type of valuation of a home for the purposes of determining tax responsibility, they don’t go into the kind of depth an appraisal does. Do you remember the last time someone went onto your property and into your home to perform a tax assessment? Of course not, because they’re simply not that thorough. Tax assessments have to be done quickly due to the sheer number performed at once, so they are often painted with a very broad brush.

Appraisals, on the other hand, can each take several hours, including the time the appraiser is on site examining the home’s interior. This is why when someone believes their assessment to be incorrect, they can challenge it using a home appraisal. The appraisal is simply more accurate. Never use an assessment for sales or purchase purposes, you’ll be sorely disappointed.

Myth #4: The Appraiser Is on the Bank’s Side

An appraiser is a neutral third-party expert who is contracted by banks to determine the value of your home so they can use this figure in making your loan. This doesn’t mean that appraisers are working on behalf of the bank or that they’re simply there to make the numbers work out every time. Sometimes, appraisers come back with very bad news about homes, determining that they absolutely cannot be appraised for the transaction price, or that there’s something about them that means they cannot meet the minimum requirements of a given loan type.