Fall is one of the most exciting seasons of the year. The trees, the smells, the comfy sweaters and pumpkin spice lattes; itâs a cozy, wonderful time and who wouldn’t want to enjoy that warm vibe all year long?
And since this is the season that prompts us all to spend a little more time inside, homeowners and renters alike tend to step up their interior decor game and invite the fall into their homes, adding notes of warmth and pops of color that are typical for the fall season.
If youâre one of the many people that love fall and youâre looking for ideas on how to decorate your bedroom with seasonal elements, here are some great ideas for you to try.
1. Scented candles
When it comes to decor, we often think about how the room looks. Other senses are often ignored. With fall, itâs hard to ignore the power of scent as there are plenty of smells associated with this season.
Some good scents to bring into your bedroom during the fall season include: fresh fig, warm wood, cinnamon, oak moss, sandalwood, frankincense, patchouli, pumpkin, bergamot, apple, raspberry, clary sage, and so much more. Get several candles in these scents or better yet, get them in various blends. Essential oils could also do the trick on the odor side, but they lack the visual element that a well-picked, nice looking candle would bring.
To step things up a little, you can pair the candles with some nice, seasonal elements to create an arrangement where the candles are the centerpiece. Just remember that candles are flammable, so if you’re adding any seasonal flowers or items that might be lit up, keep them at a safe distance from the flame of the candle.
2. Ambient lighting
The right lighting can create a relaxing mood in your bedroom. This fall, youâll want ambient lighting thatâll make you want to snuggle up in your sheets and never leave.
Instead of the usual white light bulb, opt for ones that emit a warm glow like orange or yellow. This will really go well with your scented candles, plus it has the added benefit of making you fall asleep faster.
3. Warm palettes
Another easy way to decorate your bedroom this fall season is by changing up the color palettes. I’m not saying to go crazy by painting your walls — especially if you’re a renter and don’t have the go-ahead from your landlord to repaint the walls. But there are many other ways to play with colors that don’t involve paint, fumes, or a full day’s worth of work.
Simply replace your current bed linens with some warm colors like orange, burgundy, brown, terracotta, red, and purple. You can also apply this in other areas of the bedroom such as your rugs and curtains, and make use of some nice wall art to supplement the fall color effects.
4. Cozy bedding
Since this season is all about getting cozy, you want to make sure that your bed is conducive to rest. Weighted blankets are the new fad so you may want to consider getting one. But in addition to that, you also have to think about the fabric.
Youâll want to keep warm this fall so consider replacing your current bed sheet and pillows with thicker ones made in velvet, fur, wool, or flannel. Theyâre wonderful fabrics that do more than just make you warm, they also add texture to your room decor.
5. Fall accents
Replace last season’s accessories with fall accents. Some good ideas you can do are a vase of autumn flowers, a tray of pinecones, or even just a fall scented candle.
6. Add in the rugs
One rug is nice but two rugs is even better. This ups the cozy factor allowing more opportunities for you to get warm. If thereâs already one beside your bed, place the second rug in an area where you are likely to spend a lot of time like by the window or the foot of the bed. Opt for a rug in a contrasting color so that it doesnât look too matchy-matchy.
7. Embrace the dark
We know natural light is great but fall is one of the rare times where youâre allowed to embrace the dark. This doesnât mean you have to completely remove natural light from your room altogether, but youâll want to have the option to darken the room if needed. For this, youâll want to put up curtains in a dark color. This allows you to easily pull them together if you want to get extra comfy in the evenings, or even during daytime.
There are plenty more ways to make the bedroom more appropriate for fall but these are the easiest, most effective ways to do it. We hope you enjoyed these tips.
Now onto you. What decor changes do you make in your home during the fall season? Share your thoughts in the comments below.
So youâre at the point in your life where buying a home is not a question of if, but when. Youâre scrimping. Youâre saving. Youâre dreaming of walking through the front door of your very own home.
But as the decision draws near, you start questioning everything. Is now a good time to buy a house? Or is this the worst time? Is it more financially responsible to buy a house right now or wait? And what if you mistime the market, buying too soon or too late, and miss out on lower home prices?
Ultimately, the experts say the answer is less about economies, markets and pandemics and more about you.
So, how do you think through this decision? Youâll want to take time to thoroughly review your personal financial situation and life goals. At the same time, youâll need to gain some understanding of the market dynamics that impact home costs.
This process will take some time, but itâs well worth the effort. With a firm grasp on your personal situation and some context on the housing market, youâll be able to confidently go forth knowing youâre making a fiscally informed decision about whether to buy a house right now.
Honestly assess these aspects of your finances
Financial security is always important if youâre trying to determine when youâre ready to buy a home. To decide if now is a good time to buy a house, ask yourself the following questions about your finances:
How secure is your income?
Job or income stability is an important factor if you are buying a home in a rocky economy, such as the one triggered by the coronavirus pandemic, says real estate economist Gay Cororaton. Even in a robust economy, your income security should be top of mind when youâre thinking of buying a house right now.
If you have any inkling that your position may be eliminated or that youâll be making a career change, you may want to delay buying a home. Even a recent break in employment that caused you to draw down some of your savings may raise a red flag with lenders, says Kate Ziegler, a real estate agent with Arborview Realty in the Boston area.
If youâre considering buying a house right now, you should avoid opening any new lines of credit right before purchasing a home.
Do you have enough money saved?
After income stability, savings is the next-most-important financial factor youâll want to consider to determine if now is a good time to buy a house, Ziegler says. The old rule of thumb was to save 20% of the price of the home for your down payment. While that is ideal, itâs not necessaryâfar from it, Ziegler says. In fact, it has become more common for first-time buyers to put down much less than 20%.
How much house can you afford?
The down payment is one side of the affordability coin. Your monthly mortgage payment is the other side. You need to know how much you can spend on both to determine if you can afford to buy a house right now, says Jeff Tucker, a senior economist at Zillow. Aim for a monthly mortgage payment that doesnât stretch you too thinâexperts typically put this at around 28% of your monthly gross income, according to Bankrate.
With those guidelines, you can determine what you can afford. For example, if you make $4,000 a month, you should typically spend no more than $1,120 on your monthly mortgage payment in total.
How much house that buys you depends on multiple factors: mortgage rates, property tax rates, homeowners insurance andâif you donât have the savings to put down 20%âprimary mortgage insurance, or PMI. To get a rough estimate, plug your income details into an online calculator. For a more specific figure, talk to a local lender and get pre-approved for a mortgage, Ziegler says.
Once you know your price range, you can determine how much savings you need in the bank to buy a house right now. Youâll also need to have money saved for closing costs, which vary but typically run 2% to 5% of the loan amount, according to Bankrate.
Again, Ziegler recommends talking to a lender to really understand what your individual down payment and closing costs would be. Finally, be sure to add a line item in your budget for home maintenance that will inevitably pop up after you move in. Whether itâs a dishwasher on the fritz or a leaky roof, you donât want to be caught off guard, so be sure to save money for emergency home repairs.
How is your credit?
Your credit profile is also important to lenders, and it will likely be a factor in what interest rate youâre offered. Given that, you should be checking your credit report and know your credit score before investing in a home. If youâre considering buying a house right now, you should avoid opening any new lines of credit right before purchasing a home, Tucker says.
What is your debt-to-income ratio?
Another factor lenders check is your debt-to-income ratio, or DTI, Tucker says. This is the percentage of your gross monthly income that goes to paying monthly debt payments, plus your new mortgage. Lenders typically require this ratio to be 45% or less but prefer it even lowerâin the 33% to 36% range.
Have you considered the opportunity cost?
Another financial consideration when deciding if now is a good time to buy a house is the opportunity cost of delaying a home purchase, Ziegler says. If youâre renting in a market where the rent is higher than your would-be monthly mortgage payment, you may be spending a lot more money each month than if you were to purchase a home. And of course, with a mortgage, your monthly payment increases your equity.
After taking a clear-eyed look at your income, savings and these other financial factors, you will have a better sense of when youâre ready to buy a home and whether nowâs the time for you to dip into the market.
Consider key market factors
Next, take a look at factors that are outside of your control, but still influence your purchase: prices, interest rates and national employment trends.
Where are housing prices?
As youâre looking at the market, one of the biggest considerations when you are ready to buy a home will be housing prices and availability. Research your local market by talking to real estate agents who work specifically in the area where you want to buy and asking them about market trends, Ziegler says.
Track current listings and recently sold prices to get a sense of how prices look today. Generally, the tighter the inventoryâmeaning the fewer houses availableâthe higher prices will be, Tucker says.
Whatâs going on with interest rates?
When youâre ready to buy a home could also depend on another major economic factor: interest rates. When interest rates are low, your housing budget is effectively supercharged, Tucker says, and you can afford a more expensive house because youâre spending less on interest. When they are high, the opposite is true.
This is what compels people to buy when interest rates are lowâyou get more for your money. If you get a 30- or 15-year fixed-rate mortgage, you lock in that rate for the entire life of the loan, which could save you money now and into the future, Tucker says.
How does employment look nationally?
Finally, if you want to get a general idea of where the housing market may be headedâif prices will drop or rise soonâcheck out the national employment trends, Cororaton says. Low unemployment means prices will generally trend upward because more people can afford houses, boosting competition and prices, she says.
But if unemployment is inching up, then people are losing jobs and will be more likely to remain in their current homes. As a result, there tends to be less competition for them, lowering prices.
You donât need to be an expert in the market to determine if now is a good time to buy a house, but a baseline understanding of these big-picture forces can give you the confidence you need to embark on your home-buying journey.
Think about your future plans
After reviewing your savings and income and assessing the market conditions, take a step back and think about your life plans over the next few years. Your lifestyle and goals will help determine whether now is a good time to buy a house.
âFor buyers who are not certain whether they will still be living in the same place in three or five years, I would caution against locking themselves into a certain location,â Ziegler says. âIf theyâre just not sure what the future holds, it may be better to have that flexibility.â
Itâs unlikely in many markets that you will see substantial financial gain from homeownership if you move within five years, Ziegler says. Your equity gains will likely be offset by the transaction costs of buying and selling your home.
That goes for remote workers, too. Are you working from a home office these days? While widespread remote work may allow buyers to consider homes farther from their offices, ask yourself: Is my company going to permanently allow employees to work from home? Do I think there will be other remote opportunities in the future?
While youâre thinking about the next three to five years of your career, also consider the next three to five years of your personal life. Will you have a family? Will that family grow?
These can be weighty topics, so be sure to think them through on your own schedule. Buying a house is a big decision, and itâs not one to be rushed. By taking the time to assess your life, from your job security to your financial health to your lifestyle, and considering the impact of market factors, youâll have a clearer sense of when you are ready to buy a home.
If youâve decided that buying a house right now is the best decision for you, itâs time to learn more about how it will impact your budget. Get started by reading up on these eight unexpected expenses when buying a home.
Articles may contain information from third-parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third-party or information.
The post Is Now a Good Time to Buy a House? appeared first on Discover Bank – Banking Topics Blog.
Decorating kids bedroom walls is a tough challengeâthat is, if you don’t want them to outgrow that fire engine mural or “Frozen” decals anytime soon. Isn’t there anything out there more original that both parents and kids will enjoy for years to come?
Of course there is.
“Kids, by nature, are creative and imaginative, so it makes sense that their bedrooms should be just as colorful and full of life,” says Anna Shiwlall, owner of the interior design firm 27 Diamonds.
A painted mural is one way to achieve a special look, though not every homeowner will splurge for a customized jungle scene. (But if you do, it’s easy to paint over it when your kids have moved on to a new obsession.)
Instead, we’ve come up with 10 fresh wall decor ideas for your kids’ bedrooms that you may want to keep around even after they’ve left the nest.
1. Removable wallpaper
These adhesive mountain panels ($27,20, Amazon) are easy on, easy off, and they’re reusable. And the calming peaks and valleys are sure to lull tough sleepers to dreamland.
Or try chalkboard removable wallpaper, which isn’t just for use in school, says Shiwlall. “Best of all, the wall art and the shelf life is totally up to your kids.”
2. Memory boards
A pretty fabric board or a multiple set ($28 each, Wayfair) is a nice change from paint or wallpaper. Younger kids can tuck their drawings into the ribbons, while those in grade school can use it to hold reminders and sports schedules.
3. Wall decals
Modern tots don’t really play jacks anymore, but using them in decal form ($35 for 60 pieces, Amazon) on a wall is rather genius. This cute set of line clusters and bright circles can be arrangedâand rearrangedâin endless ways, which will keep your kid busy and get the wall decorated, too.
4. Graphic prints
“Select a print or piece of art that speaks to your child, adds a decorative touch, and that also has meaningâeven if she picks Disney princesses,” suggests Anne Hepfer of the eponymous design firm.
You can always swap framed photos for a more age-appropriate look, but we think you’ll want to hold on to these sweet faces from the African savannah ($58 for three, Wayfair).
What could be sweeter than butterflies made from soft, glittering feathers?
These cuties ($35 for 10, Pottery Barn Kids) adhere quickly with 3M stickers, and you can get different sets in pink and blue for a multicolored swarm of your own design.
6. Fabric wall panels
Pillow stuffing, foam board, and soft fabric are brought together in these smart padded panels ($104, Etsy) for your tot’s nursery. Install a line as a decorative border on the wall, or use some to demarcate a book nook or play space.
Amazon) for older kids who have some climbing ability and lay a bunch of soft floor pillows at the base of the wall.
9. Tile wall
Photo by Birdhouse Media
A stark white room with a bright tile mosaic is a stunning way to add an accent wall to a kid’s roomâand you don’t need a fireplace to put in this look. Make it even easier, and select peel-and-stick wall tile.
10. Framed record collection
10 Kids Room Wall Decor Ideas That Adults Won’t Hate appeared first on Real Estate News & Insights | realtor.comÂ®.
Thereâs something weird happening with the real estate markets today. Normally in a recession, demand for rentals goes up while demand for houses goes down. But if thereâs anything 2020 has taught us, itâs that everything is turned on its head right now.
Instead, weâre seeing an interesting trend: despite the ongoing pandemic, home-buying is experiencing higher demand now than they have been since 1999, according to the National Association of Realtorsâ (NAR). If youâve been hoping to buy a home soon, youâre probably already aware of this weird trend, and excited. But is it the same story everywhere? And is a pandemic really the right time to buy?
How the Pandemic is Changing Homeownership
This pandemic is different from any other in history in that many people â especially some of the highest-paid workers â arenât being hit as hard as people who rely on their manual labor for income. This, coupled with an ultra-low mortgage rate environment and a new lifestyle thatâs not fit for a cramped apartment, is creating the perfect storm of high-dollar homebuyers.
âI didnât want to pay someone elseâs mortgage to have three roommates,â says Amy Klegarth, a genomics specialist who recently purchased a home in White Center, a suburb of Seattle where she was formerly renting. âI moved because I could afford to get a house with a large yard here for my goats, Taco and Piper.â
Whether you have goat kids or human kids (or even no kids), youâre not the only one looking for a new home in a roomier locale. According to the NAR report, home sales in suburban areas went up 7% compared to just before the pandemic started. In some markets, itâs not hard to understand why people are moving out.
Where Are People Going?
Apartments are small everywhere, but theyâre not all the same price. For example, homes in cities tend to be 300 square feet smaller than their suburban counterparts. Some of the hottest home-buying markets right now are in areas where nearby rents are already too high, often clustered around tech and finance hubs that attract high-paid workers. After all, if you canât go into the office and all of the normal city attractions are shut down, whatâs the point of paying those high rental costs?
According to a December 2020 Zumper report, the top five most expensive rental markets in the U.S. are San Francisco, New York City, Boston, San Jose, and Oakland. But if youâre ready to buy a home during the pandemic, there are nearby cheaper markets to consider.
If You Rent in San Francisco, San Jose, and Oakland, CA
Alternative home-buying market:San Diego, Sacramento
Average rent: San Francisco, $2,700, San Jose, $2,090; Oakland; $2,000
Average home value (as of writing): San Diego ($675,496) and Sacramento ($370,271)
Estimated mortgage payment with 20% down: San Diego ($2,255) and Sacramento ($1,236)
Big California cities are the quintessential meccas for tech workers, and thatâs often exactly whoâs booking it out of these high-priced areas right now. Gay Cororaton, Director of Housing and Commercial Research for the National Association of Realtors (NAR), offers two suggestions for San Francisco and other similar cities in California.
First, is the San Diego-metro area, which has a lot to offer people who are used to big-city living but donât want the big-city prices. An added bonus: your odds of staying employed as a tech worker might be even higher in this city.
âProfessional tech services jobs make up 18% of the total payroll employment, which is actually a higher fraction than San Jose (15.5%) and San Francisco (9.3%),â says Cororaton.
If youâre willing to go inland, you can find even cheaper prices yet in Sacramento. âTech jobs have been growing, and account for 7% of the workforce,â says Cororaton. âStill not as techie as San Jose, San Francisco, or San Diego, but tech jobs are moving there where housing is more affordable. Itâs also just 2 hours away from Lake Tahoe.â
If You Rent in New York, NY
Alternative home-buying market: New Rochelle, Yonkers, Nassau, Newark, Jersey City
Average rent: $2,470
Average home value (as of writing): New Rochelle ($652,995), Yonkers ($549,387), Nassau ($585,741), Newark ($320,303), or Jersey City ($541,271)
Estimated mortgage payment with 20% down: New Rochelle ($2,180), Yonkers ($1,834), Nassau ($1,955), Newark ($1,069), or Jersey City ($1,807)
Living in New York City, it might seem like you donât have any good options. But the good news is you do â lots of them, in fact. They still might be more expensive than the average home price across the U.S., but these alternative markets are still a lot more affordable than within, say, Manhattan.
New Rochelle and Yonkers
Both New Rochelle and Yonkers are about an hourâs drive from the heart of New York City, says Corcoran. If you ride by train, itâs a half hour. Both New Rochelle and Yonkers have been stepping up their appeal in recent years to attract millennials who canât afford city-living anymore (or donât want to be âhouse poorâ), so youâll be in good company.
âNAR ranked Nassau as one of the top places to work from home in the state of New York because it has already a large population of workers in professional and business services and has good broadband access,â says Cororaton. If you have ideas about moving to Nassau youâll need to move quickly. Home sales are up by 60% this year compared to pre-pandemic times.
Newark or Jersey City
If you donât mind moving to a different state (even if it is a neighbor), you can find even lower real estate prices in New Jersey. This might be a good option if you only need to ride back into the city on occasion because while the PATH train is well-developed, itâs a bit longer of a ride, especially if you live further out in New Jersey.
If You Rent in Boston, MA
Alternative home-buying market: Quincy, Framingham, Worcester
Average rent: $2,150
Average home value (as of writing): Quincy ($517,135), Framingham ($460,584), or Worcester ($284,936)
Estimated mortgage payment with 20% down: Quincy ($1,726), Framingham ($1,538), or Worcester ($951)
Boston is another elite coastal market, but unlike New York, thereâs still plenty of space if you head south or even inland. In particular, Quincy and Framingam still offer plenty of deals for new buyers.
If you like your suburbs a bit more on the urban side, consider Quincy. Although itâs technically outside of the city, itâs also not so isolated that youâll feel like youâre missing out on the best parts of Boston-living. Youâll be in good company too, as there are plenty of other folks living here who want to avoid the high real estate prices within Boston itself.
Framingham is undergoing an active revitalization right now in an effort to attract more people to its community. As such, youâll be welcome in this town thatâs only a 30-minute drive from Boston.
âNow, if you can work from home, consider Worcester,â says Cororaton. âItâs an hour away from Boston which is not too bad if you only have to go to the Boston office, say, twice a week.â Worcester (pronounced âwuh-sterâ) is also a great place for a midday break if you work from home, with over 60 city parks to choose from for a stroll.
Average Rent for 1-Bedroom Apartment
Housing Market Options & Avg. Monthly Mortgage*
San Francisco, CASan Jose, CAOakland, CA
San Diego ($2,255) Sacramento ($1,236)
New York, NY
New Rochelle ($2,180) Yonkers ($1,834)Nassau ($1,955)Newark ($1,069)Jersey City ($1,807)
*Average home mortgage estimates based on a 20% down payment.
Should You Buy a House During a Pandemic?
Thereâs no right or wrong answer here, but itâs a good idea to consider your long-term housing needs versus just whatâll get you through the next few months.
For example, just about everyone would enjoy some more room in their homes to stretch right now. But if youâre the type of person who prefers a night on the town, you might be miserable in a rural area by the time things get back to normal. But if youâve always dreamed of a big vegetable garden or yard for the family dog, now could be the right time to launch those plans.
Another factor to consider is job security. And remember that even if youâre permanently working from home today â and not everyone has this ability â living further from the city could limit your future opportunities if a job requires you to be on-site in the city.
Finally, consider this: most homes in outlying areas werenât built with the pandemic in mind. For example, â… open floor plans were popular, pre-pandemic,â says Cororaton. âIf the home for sale has an open floor plan, youâd have to imagine how to reconfigure the space and do some remodeling to create that work or school area.â
Here are some other things to look for:
Area for homeschooling
Broadband internet access
Proximity to transport routes
Office for working from home
Is It More Affordable to Buy or Rent?
There arenât any hard-and-fast rules when it comes to whether itâs cheaper to rent or buy. Each of these choices has associated costs. To rent, youâll need to pay for your base rent, pet fees and rent, parking permits, deposits, renters insurance, and more. To buy, youâll have an even bigger list, including property taxes, maintenance and upgrades, HOA fees, homeowners insurance, closing costs, higher utility bills, and on.
Each of these factors has the potential to tip the balance in favor of buying or renting. Thatâs why it makes sense to use a buy vs. rent calculator that can track all of these moving targets and estimate which one is better based on your financial situation and the choices available to you.
In general, though, most experts advise keeping your housing costs to below 30 percent of your take-home pay when setting up your budget. The lower, the better â then, youâll have even more money left over to save for retirement, your kidâs college education, and even to pay your mortgage off early.
The post Popular Housing Markets During the Pandemic appeared first on Good Financial CentsÂ®.
Years before I ever dreamed of homeownership for myself, I was an HGTV connoisseur. In college, I double majored in âProperty Virginsâ and âHouse Huntersâ and spent hours glued to the TV with my roommate, ogling other peopleâs granite countertops.
Fast forward nearly a decade, and the time had arrived for me to purchase my own home. (No granite countertops hereâmy house was more like the âbeforeâ scene in an episode of âFixer Upperâ).
Not surprisingly, TV homeownership didnât prepare me for the real thing. There are lots of lessons Iâve had to learn the hard way.
If youâre gearing up for your own journey into homeownership, turn off the TV and gather ’round. Iâll fill you in on a few things I wish I had known beforehand, and a few surprises (some happy, some frustrating) that I encountered along the way.
1. A beautiful yard takes work
I never met a succulent that I didnât kill. Even my fake plants are looking a little wilted right now. But even though I donât have a green thumb, landscaping and yard maintenance are forever on my to-do list.
Each spring, I spray Roundup with impunity, attempting (and failing) to conquer the weeds. My husband handles mowing and edging.
Iâve slowly started to learn which plants can endure abuse, neglect, and a volatile Midwestern climate. I still have a long way to go in my landscaping journey, but all this work has given me a new appreciation for other peopleâs lush, beautiful lawns.
When you’re house hunting, keep in mind that those beautiful lawns you seeâand that outdoor space you covetâcome at a steep price. Either your time and frustration, or a hefty bill for professional landscapers, will be necessary to keep things presentable.
2. You might get a bill for neighborhood improvements
Your property taxes should pay for every improvement to the neighborhood, right? Not necessarily.
When my neighbors came together to petition the city for a speed bump on our busy street, the cost was passed on to us homeowners. It wasnât covered by property taxes, so we got a bill in the mail a few months later. Surprise!
When you’re preparing to buy a house, make sure you budget for homeownership expensesânot just repair and HOA costs, but those pesky fees that crop up when you least expect them.
3. Brush/trash removal? It works differently in every city
As a kid, I spent many fall weekends scooping leaves into yard waste bags that we left on the curb for pickup. But when I became a homeowner, I realized that my early brush with brush removal was unique to the suburb where I grew up. Every city handles it differently, if the city handles it at all.
In Milwaukee, where I live, homeowners can put leaves on the curb for pickup on designated days. For big branches, you need to request a pickup, or potentially dispose of them yourself. Check with your city to find the ordinances and regulations where you live.
4. Youâll want to clean (or hire someone to clean) your nasty windows
Window maintenance was never on my radar as a renter, probably because I never had more than a few windows in an apartment. But then I became the proud owner of many, many windowsâand all of them were coated in a thick film of gunk after years of neglect.
After we moved in, I started to tackle the cleaning on my own. But I quickly realized I was getting nowhere fast, and there was no way I could safely clean the exterior windows up in the finished attic.
So, I swallowed my pride and hired window washers. It was some of the best money Iâve ever spent.
5. You may feel a sudden urge to stock up on seasonal decorations
I never looked twice at a $50 wreath or decorative gourd before becoming a homeowner. Now, I have a burgeoning collection of lawn ornaments in the shape of snowmen and spooky cats. Sometimes I don’t even know who I am anymore.
6. Youâll need to create a budget for Halloween candy
At least I did in my Halloween-loving neighborhood, where the trick-or-treaters come out in droves.
I spent upward of $100 on candy my first year as a homeowner, and most of it was purchased in a panic at the Dollar Store after I noticed that our supply was dangerously low just halfway through the evening.
Now, I stock up in advance and shop with coupons to save a few bucks.
7. DIY renovation is equally rewarding and soul-crushing
For the first few months after we closed on our house, my husband and I spent every free hour after work and on the weekends ripping out carpeting, pulling nails one by one from the hardwood floors, and scrubbing away at generations’ worth of grime in the bathrooms and kitchen. It was some seriously sick stuff.
Being frugal and ambitious means we can accomplish a lot on a small budget. But acting as our own general contractors became a full-time job on top of both of our full-time jobs.
Simple pleasures like âhaving a social lifeâ or âFriday night with Netflixâ became distant memories. Itâs easy now to say it was all worth it, but at the time, I daydreamed about winning the lottery and hiring a team of pros to handle our rehab.
Watch: Here’s How Low You Can Go in Making an Offer on a Home
8. My impulse to check real estate listings lingered for a while
When I started house hunting, I obsessively searched for new home listings every day, poring over MLS descriptions and swiping through photos. Reaching for my phone to refresh the realtor.com app became muscle memory.
But after we closed on our house, my impulse to follow the market didnât disappear overnight. Even though I was a homeowner, I also had a phantom limb where âchecking the real estate listingsâ used to be.
A friend of mine put it best when she wrote about the sensation of loss she experienced when she âno longer had an excuse to occupy [her] free time with these real estate apps.â Itâs surprisingly challenging to turn off your home-buying brain after months of being on high alert.
9. Youâll never want to go back to sharing walls
I like my neighbors. I like them even more because, for the most part, I canât hear them. Gone are the days of people above me making bowling sounds late at night.
Now, I enjoy the sweet, sweet silence of detached livingâno adjacent neighbors blasting music or loudly quarreling. All the yard work in the world is worth it for this level of quiet.
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