HANGING CURTAINS 101

Hanging curtains seems like a no-brainer, right? Install the curtain rods, pop on the window treatments, and you’re done.

While it really can be that easy, there are some tricks and tips to keep in mind if you want your curtains to go from average to amazing. Keep reading to find out what you need to know.

Determine their purpose

Are the curtains going to be decorative or more functional? If you just want to add a little pizzazz to the room without worrying about filtering the light or maintaining privacy, then lightweight, unlined curtains will do the trick. However, if you want to block out the light or create privacy, you’ll need heavier or lined curtains.

Measure, measure, measure

Before you rush out and buy your new curtains, be sure to measure the windows, taking into account how you want the curtains to hang. There’s nothing more frustrating than having your project stalled by having to return curtains and rods that are the wrong size.

Speaking of size…

A great trick if you want your windows to appear larger than they really are is to hang the rod higher and wider than the window. Hang the rod at least four inches from the frame, but consider hanging it as close to the ceiling as possible. Just make sure the curtains reach the floor or even puddle a little. If you’re hanging cafe curtains they should skim the sill.

Go for fullness

Curtains should be hung so that they extend between 8 – 12 inches wider than the window. Choose panels that give you the most fullness, especially when completely closed. A good rule of thumb is to buy panels that are 2.5 times the width of the window.

Consider the hardware

The curtains are the main attraction, but don’t forget about the supporting players – the hardware. If you’re buying heavy curtains, make sure to purchase a rod that can handle the weight. Also think about the style of the room and choose finials and tiebacks that complement.

Get creative

Don’t feel you have to limit yourself to the selection of curtains you find in the store. There are many items you have around your home that make excellent curtains when repurposed. Vintage tea towels, silk scarves and even sheets can all take on a second life as curtains. You can even skip the sewing machine by purchasing curtain hooks that clip onto the fabric.

Don’t forget the iron

Now that you’ve put all this time and effort into making sure your curtains do your room justice, don’t diminish the effect by hanging them wrinkled or dirty. Wrinkled curtains look like an afterthought and can take away from an otherwise beautiful window treatment. Before you hang them, be sure to bust out the iron and give them a good once over. Also be sure to iron anytime you take them down to have them cleaned.

While hanging curtains may seem a little daunting, by following these tips you’ll turn otherwise boring window treatments into brilliant additions to your room!

HOW TO LOAD YOUR MOVING TRUCK

If you’ve decided to save some money on your move by packing the moving truck yourself, you’ll want to make sure you maximize the space available while minimizing the damage to your belongings. Take these tips from the pros to pack your truck the right way.

Items you’ll need

Before you even begin loading those boxes onto the truck, gather all the supplies you’ll need. These include:

• Moving blankets or paper padding for furniture
• A dolly
• Plastic stretch wrap
• Plastic sheets or tarps
• Packing tape
• Tie downs like bungee cords, rope or ratchet straps
• Gloves
• Step ladder

Before you load the truck

If you take a little time to make a game plan before you start loading, you’ll save yourself time and more than one headache.

• Make sure all your boxes are properly packed to safeguard against damage during the move.
• Defrost refrigerators and freezers at least 24 hours ahead of time.
• Prepare washing machines.
• Label all your boxes with what’s inside and where they go in the new place.
• Disassemble furniture that can be taken apart.
• Wrap furniture and other unboxed items with plastic wrap, paper padding or furniture pads.
• Pack an overnight bag.
• Take very fragile items and electronics like computers in the cab or car with you.

Packing the truck

There is a strategy to packing a truck, and following these steps will make the job much easier.

• Park the truck as close to the entrance as possible and make a clear path to it.
• Lay the tarp or plastic sheets on the bottom of the truck to keep items clean.
• One person should stay on the truck to organize all the items, while the others bring the items from the house to the truck.
• Move as much furniture as possible outside so you can better see what order it should go into the truck.
• The first things onto the truck should be the heaviest and largest items like appliances, mattresses and couches. Start with the appliances, then load sofas, chairs and entertainment units.
• Don’t place an item with sharp edges against a fabric piece, as it could cause damage.
• Place wrapped mirrors or glass in between mattresses or cushions.
• After all the furniture and appliances are loaded, then load the heaviest boxes.
• Stack items floor to ceiling, using every available space.
• Pack the truck in tiers, and tie down each tier with ropes or ratchet straps.
• Think of packing like putting together a jigsaw puzzle. Pack items tightly into every crack. This will help ensure that items don’t shift while en route.
• Make sure heavier boxes are on the bottom and lighter boxes are on the top.
• The lightest boxes, awkwardly shaped items and fragile pieces should go on last. Rolled up rugs and other odds and ends can be placed on top.
• Don’t forget to tie down the last tier to prevent the whole load from shifting backwards while driving. Make sure you leave enough room for the door to open and close.

While moving can be a real pain, if you take some time to plan ahead, packing your moving truck won’t be as difficult. Happy moving!

HOW TO REDUCE HOME BUYING STRESS

There’s no two ways about it – buying a home is stressful. Whether you’re doing it for the first time, or have several purchases under your belt, it’s a complex process that brings up lots of emotions – both good and bad.

Let’s face it – there’s a myriad of things that could go wrong during the sales process. Your loan could be rejected. The inspection could reveal that costly repairs need to be made. The appraisal could be lower than the selling price, which could affect your mortgage. The seller could be unpleasant or argumentative. There are plenty of things to worry about.

One of the best ways to deal with potential home-buying stress is to be prepared. Here’s what you can do to make buying your home as stress-free as possible.

Be clear about what you’re looking for

It’s frustrating for both you and your agent if you’re looking at house after house that just doesn’t suit your needs. Before you even begin scheduling appointments to view homes, take some time to define what you’re looking for. What type of house? How many bedrooms? What size? What kind of neighborhood? The clearer you can be, the more likely you’ll find a home you like sooner.

Be realistic about what you can afford

Getting swept up into the dream of owning the perfect home can be intoxicating, but having a mortgage that is not within your financial means is a nightmare. A good rule of thumb is to look for homes that are two or three times what your annual income is. Anything more than that, and you’re inviting excess stress into your life, worrying about how you’ll pay the bills each month.

Be ready with a mortgage pre-approval

By getting your financial life in order and getting pre-approved for a mortgage ahead of the buying process, you are signaling to sellers that you’re serious about making a purchase. You’re also alleviating a potential pitfall should you not qualify during the deal. In addition, getting pre-approved will help should others also make an offer on the same house. If not, you’ll be one of the first crossed off the list.

Be willing to make compromises

It’s rare to find the absolute perfect house at the perfect price. And if you are dead set on it, you’re going to stress yourself and your real estate agent out.  Unless you can build your home from scratch, you’ll probably need to make some compromises. Determine beforehand what you must have versus what it would be nice to have, so that you know where you can be flexible.

Be gentle with yourself and take breaks

Whenever possible, schedule relaxing things to do while you’re going through the process of buying a home. Get a massage. Go out to dinner with friends. See a movie. Take a nap. Visit with family. Go for a drive in the country. Listen to some guided meditations, or take a yoga class.

You don’t have to let stress get the better of you when you’re buying a home! If you take some time to get prepared, be clear about what you really need, and allow yourself some time to decompress, you can minimize the adverse effects it has on your well-being.

REFRESH YOUR GARDEN FOR SPRING

Do you hear that?

It’s the first breathy sigh of your spring garden, waking up from its winter’s nap. Longer days, warmer temperatures and dreams of lazy afternoons spent lounging among the flowers is enough to get any homeowner motivated to get their garden ready for the coming months.

If you long to get outside and get your hands dirty in preparation for spring, here are some great ideas to get you started.

Trim and tidy

The end of winter is an excellent time to prune and cut back the plants, bushes and trees in your garden before they get new spring growth. However, it’s a good idea to wait until any danger of frost has passed before wielding those pruning shears, as cutting back during a freezing spell can mean doom for some plants. Remove any annuals from the previous season and compost them.

Remove weeds

While most homeowners don’t love the idea of spending an afternoon pulling weeds, it goes a long way right now – not only does it reduce the number that are propagating in your garden, but it also makes your yard look clean and tidy. Weeds are generally easier to remove at this time of year, as they have shallow roots that can easily be pulled from moist soil. Try to get as many as you can while they’re still small – it’ll save unnecessary back strain down the line.

Divide and conquer

Some varieties of perennial plants do well when they are divided and transplanted. It’s also an easy and inexpensive way to add new plants to your landscape. Dig up perennials to be divided just as they are starting to grow, and transplant into new spots that have been amended with compost to give the divisions the best possible start.

Fertilize

All your plants and flowers enjoy a healthy dose of fertilizer in the spring as they begin to grow. If you have compost, add a layer of it to existing beds to give the soil a boost, or apply organic or synthetic fertilizer as new growth appears.

Add mulch

Mulch does wonderful things for your garden. It acts as a barrier to keep weeds from sprouting, it helps soil retain moisture and it gives the garden a polished look. As mulch starts to break down it also adds beneficial nutrients to the soil. So go ahead and give your garden beds a nice thick blanket of mulch – just be sure to keep it away from the trunks of trees and stems of tender plants.

Prepare feeders

Any garden can be made more magical with the addition of bird feeders and baths that attract local and migratory birds. If you have any in your garden, now is the time to clean them thoroughly to avoid build-up of bacteria or mold.

Get the lawn ready

If you have grass, take time to give it a good raking to remove any dead growth and debris that has accumulated over the winter. This allows air and light to penetrate the soil, stimulating all that glorious new green growth for spring.

If the promise of spring has you yearning to get outside, go ahead and give in to the urge. Taking a little time now to get your yard ready for the coming warm weather can be beneficial to your garden – and to you!

MAKE YOUR WOOD FLOORS LOOK LIKE NEW

Did you buy an older home because you fell in love with its character? Many homes built in previous decades or centuries feature details that often aren’t prevalent in new construction, such as Dutch doors, transom windows and even dumbwaiters or laundry chutes.

One of the most attractive features in many older homes are the hardwood floors. But years of wear and tear can leave them looking dull, scratched or dingy. If your home’s hardwood floors need a makeover, follow these steps to have them looking like new.

Sweep and repair

After emptying the room of all its furniture, give the floor a good sweep and vacuum to get rid of all the dirt and grit. This is also the best time to deal with repairs, such as sinking nail heads, filling in scratches or patching holes.

Clean with appropriate cleaner

Next, you’ll want to clean your floor with an appropriate cleaner, such as Murphy’s Oil Soap or Bona Floor Cleaner. It’s important not to use regular soap or harsh chemicals on your hardwood floor, as they can leave a residue or damage the wood with too much moisture. Let the floor dry.

Polish and seal

After the floor is dry, apply a thin layer of polish evenly around the room. The polish will help to moisturize the wood and leave it shiny. Polishes can be purchased with either a satin or glossy finish, depending on your tastes. Some floors benefit from a second coat; follow instructions on the label to determine how much time should elapse between applications. Be sure to give the floor plenty of time to dry before moving furniture back in – in some cases up to three days.

Buffing and waxing

Sometimes cleaning and polishing just doesn’t give your floor the love it needs to restore its luster, especially if it is already finished with wax or shellac. In this case, you can use a floor buffer to remove the top layer of finish off the floor. Buffers can be rented for around $50 a day, just be sure the buffer has a sanding screen so you don’t remove too much of the surface of the floor. Clean the dust and follow with a floor wax, which can be buffed to a shine once it dries.

When to call a professional

If none of the above techniques give you the results you desire, it may be time to refinish your hardwood floors. This technique requiresmore time and know-how, so even though you can rent a sander to do the job yourself, it might be best to hire a professional. Not only will they properly sand your floor, they will also re-stain and seal it, restoring your beautiful floors to their former glory, which, with the proper care, will last you for many years to come.

Nothing gives a home warmth and character quite like a well-cared for hardwood floor. It is worth the investment to refresh your floors; not only does it renew your home’s energy, it can evenincrease its value.

TRANSFORM YOUR ATTIC

If you’re a homeowner who has been looking for ways to increase the square footage of your living space, but you’re hesitant to build a new addition to your existing home, have you thought about looking up?

Unfinished attics are an excellent way to increase the size of your home while avoiding some of the obstacles like zoning restrictions and easement concerns that come with building an addition.

Convert your attic into a new living space

Attic conversions can be used in a number of ways to cater to the growing needs of your family. Some of the best uses of an attic space include:

• Bedroom – Having a peaceful place to slumber away from the noise and activity of the more heavily trafficked areas of your home can be a real blessing, especially for those who have trouble sleeping. Just be sure to include a closet and a window in order to claim the space as a bedroom when it comes time to sell.
• Media room – Do you have a teenager who needs some privacy and a place to hang out, or do you love throwing home parties centered around films or sporting events? Consider turning your attic into a home theater.
• Playroom – Perhaps you have smaller kids who need their own space to play without making the rest of the house a mess. Attics made great hideaways for kids, transporting them into their own little creative space.
• Home office – Do you work from home, or wish you had your own space to pay bills or work on that novel you’ve always wanted to write? A quiet attic office could be just the thing you need.

Attic conversion considerations

While reclaiming your attic as usable living space helps you avoid some of the pitfalls of building a new addition, they do have their own particular set of challenges that you should consider before diving in.

• Building codes – You’ll need to follow the “Rule of 7s” in your attic room, which states that at least half of your attic space if seven feet tall and seven feet wide and contains at least 70 square feet of space. In addition, you will likely need to beef up floor joists so they can handle the extra weight of people and furnishings. If you’re planning to use your attic as a bedroom, it will also need at least two exits including a window and a staircase to the rest of the home.
• Access – If your attic has a pull-down staircase, you’ll need to factor in building a permanent staircase. Straight staircases take up the most room but are easiest to construct. Switchback stairs or spiral staircases take up less room, but remember how much room you’ll need to maneuver furniture up into your new space.
• Electrical/Plumbing/HVAC – You’ll need to bring in licensed contractors who can determine the requirements of your new space and how they will fit into the existing system of your home. If you’re thinking of adding a bathroom, it’s best to locate it over an existing bathroom or kitchen so you’ll have less plumbing to install.

While tackling an attic conversion can be a big project, most homeowners find that in the end, having a brand new living space without constructing an addition was worth the effort.

USE YOUR TAX REFUND ON YOUR HOME

Have you filed your taxes yet?

We know — tax season isn’t anybody’s favorite time of the year (except, of course, for tax accountants). But if you’re expecting a refund, now is a great time to reinvest that money in your home. Whether you’ll be getting a check for a few hundred dollars or a few thousand, there are great ways you can put that money to good use.

Save it for a down payment

Are you hoping to buy a home in the near future? As you probably already know, you’ll be expected to put down a down payment — anywhere from 3.5 to 20 percent or more of the purchase price. If you’re expecting a refund in the thousands of dollars, adding it to your down payment savings account is a fantastic way to get yourself closer to home ownership. And if you manage to save more than 20 percent, you’ll eliminate the need to buy mortgage insurance, saving you even more money down the line.

Pay down your mortgage

Even if you have a great rate on your mortgage loan, making an extra payment will still help you save money in the long run. By paying off more of your mortgage early, you will pay less interest over time. You’ll build equity more quickly and will own your home outright sooner. You may also be able to eliminate the cost of mortgage insurance once some of your loan has been paid off.

Purchase additional insurance

An inevitable part of owning a home is also purchasing homeowner’s insurance. This protects you from liabilities should someone get injured on your property and sue you. Unfortunately, most homeowner insurance policies are not comprehensive. By purchasing umbrella insurance, you get additional protection once your primary insurance coverage limits are reached, and as an added bonus, it also applies to your vehicles. For around $300 a year, you get about $1 million in coverage. It’s a very small price to pay for peace of mind.

Audit your home’s energy usage

Leaky windows, drafty doors and energy-hogging appliances all needlessly eat up your money. If you’d like to find ways to cut your energy costs, consider using your tax refund for a home energy audit. While there are free programs available from many local power companies who will send out a professional to look at your home and offer advice about where to make changes, the biggest bang will be to hire a private firm to do a comprehensive audit of your home. While you’ll be paying more up front, the audit is much more detailed and could potentially save you up to 30 percent on your energy bills should you decide to implement their suggestions.

Make needed home repairs

If your refund is less than $1000, perhaps one of the best ways to use it is to make some needed home repairs that you’ve been putting off. You can repaint, add some new landscaping, buy aprogrammable thermostat or finally organize your garage. The money spent will go a long way to contributing to your overall enjoyment of your home.

While it may be tempting to splurge on a big treat, spending your tax refund wisely on your home can improve your financial health for the long haul.