When I was growing up, my family must have moved a dozen times. After the first few moves, we had it down to a science: timed out, scheduled, down to the last box. Despite our best efforts, plans would change, move-out and move-in days would shift, and the experience would stress the entire family out. Despite the stress, we always managed to settle in our new home and sell our old one before the start of school.
With a lot of planning and scheduling, you can minimize the stress of selling your house and moving. Here are some tips:
Know when you want to be moved out and into your new home and have a backup plan in case it falls through. Before you sell your home, familiarize yourself with local and state laws about selling a home so you’re not caught by surprise if you forget something important.
Lists and schedules are going to be your new best friend through the process. Have a timetable for when you want to sell your house when you have appraisers, realtors, movers, etc. over. Also, keep one for when your things need to be packed and when you need to be moved into the new place. I suggest keeping it on an Excel sheet so you can easily update it as the timeline changes (and it will – stuff happens).
First time selling a house? Check out some great resources on what you need to know. US News has excellent, step-by-step guides on what you need to know to sell. Appraisers and realtors can also be good resources, and since you’ll be working with them through the process, be sure to ask them questions or have them point you to resources.
Have your house appraised before you sell so you know your budget for your new home. This will help you look for an affordable home that meets your family’s needs. It will also help you maximize the amount you can receive for your old home. You can also learn useful information from an appraisal, such as which repairs need to be made, if any.
Does your house need repairs before you move? If so, figure out whether you’ll be covering them, or whether your buyers will (this will be a part of price negotiations, so factor it in with your home budget). Will you need to make repairs in your new house, or will that be covered? Either way, make sure you know which repairs need to be made – and either be upfront with buyers about them or make them before you sell.
Prepare to Move
If you’re moving to a new town or a new state, you need to prepare more than just a new home. Research doctors and dentists, places to eat, and what to do for fun. If you have school-aged children, look at the local school district or private school options – not only to learn how to enroll your kids, but also to get a feel for the school culture, see what extracurricular activities your kids can do, what standards/learning methods your kids’ new school will implement, etc.
Think: how soon are you moving, what will you need to use before you move, what can get boxed and what needs to stay out? The sooner you’re moving out, the sooner you need to pack, but if you have time, just take a day per weekend to organize a room, pack what you want to take and arrange to donate what you want to get rid of.
Moves are a great time to purge old, unwanted and unused stuff from your home. Sometimes, it’s necessary if you’re moving into a smaller space. Either way, as you pack each room, think about whether you use what you’re packing to take with you. If you do, pack it to go. If not, put it in a separate box to go to your local donations place. You can also call some organizations to have your unwanted things picked up, no hassle.
If You Have Kids
Moving with kids can be extra stressful. Be sure to include them in the process. This is a wonderful opportunity to teach younger children about moving and prepare them for the changes it brings. Older children can help out with responsibilities, like packing their room or researching their new town.
Your New Place
Moving into a new place takes some planning as well. Once you’ve bought your new home or condo, design at least a basic outline for where your stuff will be set up. Make necessary repairs and decorate (painting, for example) before you unpack. Ideally, you should have some time to do these things before, but if you don’t, don’t be in a hurry to unpack everything – it can be a hassle to paint if you have all your furniture and bookshelves up!
Staying In Touch and Making New Friends
Finally, moving can mean good-byes with family and/or friends. Social media is a great way to keep in touch with people after you’ve moved, but distance can still weaken these old relationships. Make some time to call or message your old friends to keep in touch. Pair that work with a concerted effort to meet new people. See what hobbies or groups are in your new area and start there. It doesn’t seem like a lot, but it can make your new house a home and make your new town a community you can enjoy.
At the end of a long day, your bedroom should be a sanctuary of comfort that welcomes you in. But, as a room that guests rarely see and in which homeowners spend most of their time with their eyes closed, its upkeep frequently gets pushed to the bottom of the to-do list. Thankfully, there are some little design tricks that can make a big difference. Turn your bedroom into a restful retreat when you up its coziness factor with a few of these easy ideas.
- Layer textures. Sheepskin rugs, a down comforter, plush pillows and knit blankets can add a softness to the room that will make you want to sink right in. Lift these textures upward, with a canopy, tufted headboard, billowy curtains and hanging textiles (like a weaving) so even the walls and ceiling feel snuggly.
- Pick the right paint. Dark, saturated colors make a room feel like it’s embracing you, which is ideal for setting a sleepy environment. But if you’re nervous to commit to a dark color on the wall, choose a pale dusty blue, sage green or another light natural color for a soothing tone (just steer clear of energetic hues). Have you ever wanted to sleep on a cloud? Go with all-white paint and decor which makes even a basic bedroom feel soft and spa-like.
- Personalize it with reminders of the places and things that make you feel at home. Do you have a fondness for flowers? Bring floral patterns in on your textiles. Do you dream of vacation at the lake? Frame a photo of your favorite spot! Photos or paintings of uncluttered natural landscapes—like a sunset reflecting on water or a hammock under the shade of an oak—can rekindle memories of relaxation and are perfect for creating a sense of calm.
- Add mood lighting. Soften the light to mimic dusk for an intimate mood with dimmer switches, lamps, lanterns or even string lights. Just make sure you can reach the switch from bed, so you don’t have to disturb your peace to get up and turn it off when you’re ready to roll over and fall asleep.
- Skip metallic finishes. Choose warm natural decor options like wood and fabric instead of cold, manufactured metallics. This goes for everything from your bedroom furniture to window treatments. Faux wood blinds, especially when paired with floating curtains, fit with a cozy aesthetic and let you filter out harsh sunlight and maintain privacy for a truly sheltered slumber.
- Bring on the books! Stacks of good reads invite you to snuggle in and get lost in another world. A true retreat is a room with plenty of books that begs you to stay.
- Fix up—or fake—a fireplace. If your bed sits hearthside, embrace this romantic accent with styled logs and a decorated mantle. If you don’t have such a luxury, create a faux fireplace to add comfort and warmth through your décor: Arrange oversized candles and lanterns safely within a homemade hearth to bring in that cozy fireside feeling without changing the structure of your home.
- Keep the room uncluttered. When you want to settle in, a mess distracts you from finding comfort, so minimize the amount of stuff that makes it to your bedroom. Watch your nightstand, which often becomes a catch-all, by making a point to rehome any wandering wares now, and put things away as soon as they enter the room in the future. If you’re apt to let laundry pile up, keep it behind the closed doors of your closet so it doesn’t crowd your peace.
- Create a sense of timelessness. Tuck clocks and electronics away so they’re nearby if you need them, but their wires and harsh silhouettes aren’t reminding you of life outside your sanctuary. The hush that falls in a room devoid of gadgets will allow you to easily disengage from the stresses of reality.
- Rethink your bedding. Add a pillow-top pad to your mattress so it feels like your bed is hugging you when you climb in. Or, bring in a contoured body pillow which actually can hug you! Linen sheets feel luxe compared to cotton and are a simple swap to boost your bower. Many people also swear by skipping the top sheet while dressing their beds, which allows them to burrow directly into a fluffy comforter.
- Appeal to your sense of smell. Aromatherapy can have a huge impact on your perception of a space, so find some soothing essential oils or a sweet candle to blanket the room with an ambiance you adore. As soon as you open the door, you’ll be eager to plunge into your little oasis.
- Nestle into nooks. A window seat, a reading nook or an upholstered seating area are all inviting spaces that can draw you in from the doorway. The more intimate alcoves you can create, the cozier your bedroom will feel!
Flooded with soft lighting, plush textures and other comfy touches, your bedroom environment will envelope you at day’s end. And, perhaps even better than the idea of your bedroom refresh itself, is knowing that none of these tips take longer than a weekend to complete! So, slide into your slippers as you settle on which cozy updates you’ll select for your new favorite room of the house.
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This article originally appeared in Times of San Diego
The housing market is predominantly very strong and more and more people are becoming homeowners. While there are many intangible benefits to owning a home, such as pride of ownership and setting down roots in the neighborhood, the tangible benefits are just as great. In addition to benefitting from possible appreciation, there are many tax deductions available that help reduce your annual income taxes.
Tax breaks are available for any type of home — single-family residence, town house, mobile home, or condominium. However, to take full tax advantage of owning a home, property owners need to understand the expenses they can deduct, and learn some tips to get the most tax advantages out of home ownership.
A house payment is comprised of two parts: principal and interest. The principal goes toward reducing the amount you owe on your loan and is not deductible. However, the interest you pay is deductible as an itemized expense on your tax return. You can generally deduct interest on the first $1 million of your mortgage. You can also deduct interest on the first $100,000 of a home equity loan.
Another big part of most monthly loan payments is taxes, which go into an escrow account for payment when the taxes are due. This amount should be included on the annual statement homeowners get from their lenders, along with their loan interest information. These taxes will be an annual deduction as long as the home is owned.
If using a home equity loan or other loan secured by a home to finance home improvements, these loans will qualify for the same mortgage interest deductions as the main mortgage. Only the interest associated with the first $100,000 is deductible.Making improvements on a home can help you reduce your taxes in two possible ways:
- Tracking home improvements can help when the time comes to sell. If a home sells for more than it was purchased for, that extra money is considered taxable income. You are allowed to add capital improvements to the cost/tax basis of your home. If a home sells for more than it was purchased for plus any capital improvements, that extra money is considered taxable income. Keep in mind that most taxpayers are exempted from paying taxes on the first $250,000 (for single filers) and $500,000 (for joint filers) of gains.
Home Office Deduction
If a homeowner works from home, they can take a deduction for the room or space used as an office. This includes working from a garage, as well as a typical office space.
This deduction can include expenses like mortgage interest, insurance, utilities, and repairs, and is calculated based on “the percentage of your home devoted to your business activities,” according to the IRS.
Home Energy Tax Credits
For homeowners looking to make their home a little greener, the Residential Energy Efficient Property Credit can help offset the cost of energy efficiency improvements. People who install solar panels most commonly take advantage of this credit. Homeowners can save up to 30 percent of the total cost of installing certain renewable energy sources in their home. Even better, this is a credit, which means it directly lowers a homeowner’s tax bill.
Of course, every homeowner’s financial situation is different, so please consult with a tax professional regarding your individual tax liability.
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