The Commute Everyone Avoids Is Your Competitive Advantage

The Paradox Of Proximity 

In today's turbocharged real estate market, everyone competes for the same promise: a home just minutes from city centers, close enough to "it all." It is easy to see why the 15-minute commute is prized, feeding fierce bidding wars for central properties. But what happens when a buyer dares to look further out? 

Take the story of an investor who purchased 45 minutes outside the city to avoid the chaos. While others clung to proximity, they quietly built their equity and negotiated from a position of strength. The counterintuitive truth? What everyone wants is rarely the best investment. When the herd rushes in one direction, advantage often lies elsewhere. By leaning into longer commutes—embracing what others reject—contrarian buyers unlock discounts, flexibility, and future growth few are positioned to enjoy. 

The Psychology Of The Herd Mentality 

Why Everyone Wants The Same Thing 

Human nature pulls us toward convenience and certainty. Recency bias makes buyers overvalue what's right in front of them—immediate access to offices, restaurants, and amenities. Social proof tells us we should buy where others buy, and loss aversion fuels a deep fear of missing out on the "perfect" close-in location. These ingrained psychological tendencies drive demand to just a handful of "prime" neighborhoods, creating predictable market inefficiencies. 

The Hidden Cost of Popular Areas 

Those psychological tugs come with a real price. Central city homes regularly sell at 20–30% premiums over outlying options, with competitive bidding turning even modest homes into unaffordable dreams. Inventory remains scarce in these hot zones, creating artificial scarcity that encourages buyers to overpay. Real estate investors often see lower rental yields in these markets, as sky-high purchase prices compress returns. Once desirable neighborhoods reach saturation, appreciation slows to a crawl while previously overlooked regions surge ahead. 

The Arbitrage Opportunity: Geography As Your Edge 

The Commute Premium Breakdown 

In most major U.S. markets, real estate data shows that each additional 10–15 minutes of commute can translate to a price drop of 10–13%. For a median home, that is often $50,000 or more in upfront savings for a modestly longer drive. Consider this comparison: a $600,000 home with a 15-minute commute versus a similar $520,000 option at 45 minutes out. Over time, the lower purchase price allows for faster mortgage pay-down, greater renovation budgets, and far less competition—all compounding to generate bigger equity and cash flow. 

Identifying Tomorrow's Hot Spots Today 

Savvy buyers look for leading indicators: municipal plans for new transit, highway expansions, or corporate relocations. Real-world examples abound throughout American metros. Frisco, Texas was once considered too far from Dallas—now it's a premium destination. Similarly, suburbs outside Atlanta, Denver, and Austin that were dismissed a decade ago have transformed into sought-after communities as growth rippled outward. 

The pattern is predictable: infrastructure improvements typically boost property values by 15-25% within three years of completion. These early investors enjoyed outsized equity gains and strong rental demand as their "distant" locations became tomorrow's hot spots. 

The Demographics Advantage 

Who's willing to make this strategic play? Young professionals focused on building wealth, investors who buy based on numbers rather than emotion, and remote-first workers are all lining up. With hybrid and remote work as the new normal, the pool of potential renters and buyers for longer-commute homes has expanded dramatically. Investors face less emotional competition and enjoy multiple exit strategies—high commuter rental demand today, with the option to sell as areas mature tomorrow. 

The Remote Work Revolution Changes Everything 

COVID's Permanent Impact On Commuting 

The old rules are gone. As of 2025, approximately 35% of American workers operate from home at least part-time, with 12% working fully remote. Even more follow hybrid models that require only 2–3 days in the office per week. Commute time is no longer a daily burden, but an occasional inconvenience. Millennial and Gen Z buyers—now the market majority—increasingly favor space, flexibility, and quality of life over proximity to traditional business districts. 

This shift has created a permanent migration away from expensive urban cores to more affordable, spacious suburbs and rural areas. The rise of "Zoom towns" and distributed work patterns has fundamentally altered demand, creating new opportunities for contrarian buyers. 

The New Value Equation 

Properties with extra bedrooms, flexible layouts, and access to nature now command higher premiums than addresses within walking distance of downtown offices. With the same budget, buyers can afford drastically more space outside city centers: a dedicated home office, a backyard, an extra room for guests or hobbies. 

The cost-per-square-foot difference grows wider with each minute added to the commute. For the first time in decades, working from a distance represents a lifestyle upgrade rather than a compromise. 

Practical Strategy: How To Execute This Contrarian Play 

Identifying The Sweet Spot 

The optimal zone for balancing discounts with practical access sits 30–60 minutes from downtown—a range where savings maximize while lifestyle and occasional office access remain manageable. Smart contrarian buyers leverage tools like Google Maps traffic data, city planning dashboards, and transit authority forecasts to identify areas targeted for future growth. 

Watch for planned transit expansions, zoning changes that allow mixed-use development, or announcements of new business districts. The key is acting before these developments become widely known and prices adjust accordingly. 

Due Diligence Framework 

Research the fundamentals that drive long-term value: strong school districts (which matter even for investors), ambitious community development plans, and proximity to major employment growth zones. Study municipal websites for infrastructure investment news, track local employer activity and hiring trends, and use online investment calculators to model price gaps and projected appreciation rates. 

Economic diversity matters too—areas dependent on a single industry or employer carry higher risk than communities with varied economic bases. Look for regions with population growth, job creation, and municipal investment in amenities and infrastructure. 

Financial Modeling 

Run the numbers with analytical precision. Model mortgage savings from outer-ring homes, factor in transportation costs, and compare to projected equity growth in "prime" areas. Rental investors should analyze commuter demand patterns, seasonal vacancy rates, and long-term development pipelines. 

Expect to see the "compound effect" in action—lower entry prices enable higher cash flow percentages, which can be reinvested for bigger appreciation over time. Factor in the opportunity cost: money not spent on location premiums can be deployed for improvements, additional investments, or debt reduction. 

The USDA Mortgage Advantage 

Don't overlook the USDA Rural Development Loan program, which allows zero-down purchases in most "commute zone" geographies. Many buyers qualify for these loans, including middle-income households earning up to 115% of area median income. The compound savings of no down payment, lower home prices, and competitive interest rates can turbocharge returns. 

Consider this example: a $300,000 USDA-financed home 45 minutes from downtown versus a $400,000 conventional loan property closer in. The outer-ring buyer saves $60,000 upfront (20% down payment), enjoys lower monthly payments, and often gets significantly more space—a powerful combination for building wealth. 

Risk Management And Potential Pitfalls 

What Could Go Wrong 

Contrarian real estate investing carries legitimate risks. Macroeconomic volatility—rising interest rates, recession, or major employer relocations—can impact outer markets more severely than established urban cores. Transportation projects face delays, budget cuts, or cancellation. Some areas may resist appreciation despite improvements, particularly those lacking economic diversity or facing demographic decline. 

Climate change adds another layer of consideration, as extreme weather events and changing precipitation patterns can affect property values in certain regions more than others. 

Mitigation Strategies 

Diversify across multiple promising regions rather than concentrating everything in one distant market. Maintain sufficient liquidity reserves to weather market cycles without forced selling. Work with local real estate professionals who understand neighborhood nuances and can spot negative trends early. 

Stay connected to information sources: municipal planning departments, transit authority updates, and local business journals often provide advance warning of policy changes or development delays. Building relationships with local agents, property managers, and other investors creates an intelligence network that can prove invaluable. 

Success Stories And Real-World Examples 

Consider the investor who purchased a home in suburban Atlanta for $285,000 in 2018, three years before the planned MARTA rail extension. When the new transit line opened in 2021, similar homes were selling for $475,000—a 67% increase in just five years. The combination of infrastructure investment and growing commuter demand created exceptional returns for patient investors. 

Another example: a young family abandoned the bidding wars of Austin's central neighborhoods in 2020, purchasing a 2,400-square-foot home in Pflugerville for $320,000. They used their savings from avoiding the premium to add a pool and home office. Today, their property is worth $445,000, while comparable space in central Austin would cost over $650,000. Their quality of life—and net worth—far exceed what they could have achieved with a shorter commute. 

Time and again, the contrarian strategy delivers: early adopters secure better cash flow, stronger appreciation, and greater flexibility when market preferences inevitably shift. 

Conclusion: Embrace The Road Less Traveled 

The real secret lies in reframing perspective: commute time—long cast as a burden—becomes, for the patient and strategic buyer, an investment in a richer, more flexible financial future. The contrarian's reward is building wealth while others pay premium prices for the illusion of convenience. 

Start your research by mapping transit projects and zoning changes in your metro area. Investigate USDA loan eligibility in your target zones. The market's blind spots represent your competitive advantage, but only if you are willing to act while others cling to conventional wisdom. 

Opportunity is waiting—just a few miles down the road. The question isn't whether you can afford the commute; it is whether you can afford not to take advantage of what everyone else is avoiding. 

Kelly is the founder of ClearPath Utah Mortgage, an independent Utah mortgage broker based in Sandy, Utah. ClearPath specializes in providing competitive rates and tailored financing solutions for homebuyers and homeowners across the state.

What Is Included In Home Foundation Inspections

When purchasing a new home, most people do the typical foundation inspection, but forget the importance of having the home's foundation inspected. This is one of the most vital areas of your home since it keeps your home solid. The best way to avoid issues with the building foundation for your house is to have it inspected by professionals every so often. 

What Is A Property Foundation Inspection? 

A foundation inspection is exactly what it sounds like for homeowners. Individuals hire a professional to come out to inspect their foundation. The certified inspector will come out to discuss any problems or concerns you have about your foundation or anything you have noticed about your home. The inspection will let you know if your home is safe to live in. If you have any cracks in your walls or ceiling, they will let you know if they need to be repaired or part of the settling process. Cycling temperatures affect foundations causing them to shift. A qualified inspector can let you know if these changes have affected your house and any repairs that you should make. 

Why Should You Have A Foundation Inspection Done? 

People have foundation inspections done for many different reasons. 

Peace Of Mind 

Maybe you have noticed some cracks in your ceiling you didn’t before, or perhaps you think a crack in your wall is getting larger. You definitely need to find out what is happening. 

You Are Buying A Home And Your Bank Requires It 

If a house is unsafe, a mortgage company will not want to finance a home. They are going to want to make sure that the funds keep up with the property for foundational finance. 

A home inspector wanted it done 

If a home inspector noticed abnormalities of the house or wall during his inspection, he might want a more thorough one done by a foundation inspector. 

What Does A Foundation Inspection Consist Of? 

There are several facets to a foundation inspection that include: 

● A meeting with the inspector - this is when you and the inspector will discuss timelines, any specific areas you are concerned with, and answer any questions you may have about foundations. 

● Visual inspection - this is when the inspector will walk around the inside and outside of your home and note anything he finds. 

● The inspection report - The inspector will draft a report letting you know anything he may have found, including specific areas of damage and recommendations for fixing it. 

What Should I Expect From A Home Foundation Inspection? 

Before a foundation inspector arrives at your property, you should know what to anticipate. Here is what a qualified structural engineer will provide you with. 

Floor Elevation Survey 

Before going into your home, the licensed inspector will gather information about your floor elevation. This is a tool used to measure floor elevations at different points in the house or building. A contour map is drawn to identify patterns of settlement. 

Exterior Examination 

This is typically the second part of the inspection. The inspector will walk around the outside of the home and look for areas that indicate damage to the foundation. They will look for cracks, areas of separation, bulges, and any indications that your substructure is uneven. They also look at the water drainage, the landscape of your yard, the gutter system, around the home, as well as the type of vegetation that grows around your property. Trees can cause a lot of damage to foundations with their extensive root systems. 

Interior Examination 

Inspectors will come in and check the interior of your home. Visually check for any visible damages such as cracks and separation. They will use various tests to determine if the walls and floors are level. In addition to floor and wall level checks, they will also make sure that cabinets are not leaning. 

Windows And Doors 

They open and close the windows and doors to make sure that they open and shut smoothly. If they tend to jam or stick, it’s a sign your foundation has shifted. 

Checking Pipes 

An inspector will check the pipes for dampness or if there are leaks. Water damage or excess moisture will cause mold, which leads to rotting wood. When the wood starts to rot, it can have all sorts of negative impacts on your home. 

Inspection Of The Substructure 

The substructure is essential in maintaining your foundation's integrity. If this area is damaged then there will be areas that are not level and maybe some buckling too. During this inspection, the inspector will look at any beams that support your home to make sure they are stable, there is no visual damage, and are not rotting. 

Post-Inspection Analysis 

Before making their analysis, they will speak with you and inform you about all they found. Then, they will provide you with any recommendations about their findings. The post-analysis report is a more detailed version of what they spoke with you about. This will include information about any current structural damage they discovered and any areas that look susceptible to damage. They will also know specifically where the damage is and how to fix the foundation. 

How Long Does A Foundation Inspection Take? 

This varies by the type of foundation you have and the size of the house. Crawl spaces and basements can take a few hours, while slab foundations aren't as complex and are done much quicker. 

How Much Does A Home Foundation Inspection Cost? 

This can change depending on who is doing your inspection and the size of the home being inspected. You can expect it to be anywhere from $300-$500 for the assessment and report. When you call around for different prices, make sure that the one you choose is done by someone qualified to do so. An unusually low rate likely indicates an inexperienced or unqualified contractor. 

Hiring A Pro For A Property Foundation Inspection Is Simple 

You may think you don't need a foundation inspection in Columbia, MO, but it is the only way to be certain you have pinpointed the problem. One of the most common reasons for foundation damage is due to water damage. Unfortunately, there are other reasons that aren't always as easy to pinpoint in building foundations unless you are trained and qualified to do so. If you see any signs of foundation issues, make sure to call a respected and recognized foundation repair company to come out for an inspection.

4 Tips To Design The Perfect Family Home

Do you yearn for a family house and want to have the whole building designed to your specifications? To achieve your dream goal, you need to consider every step carefully. We have 4 top recommendations that can make your decision-making process easier for homeowners. 

1. Get Your Priorities Straight 

Before you even meet your architect, you should have a clear idea of what you expect from the house. Do you think it is obvious? Often a simple open discussion between partners on this topic sparks the first disputes. 

So you start with the facts. How many household members will permanently occupy the property? Do these persons have any specific claims? And will there be any overnight visitors? 

The answers to these questions should give you a more specific idea of how big the house will be and how many rooms it will have. 

And what specific rooms for individual members are planned? In addition to the children's rooms (by the way, will all the children be in one room, or will each child have their own room?), there are other demands arising from hobbies and jobs. A musician may require a studio, an athlete a gym, a person working from home a home office. 

One family member will require a large kitchen, another a workshop or garden house. Every square inch can have major implications for a home or property. So try to come to a reasonable compromise, it will make the architect’s job easier. 

2. Go For Large Multifunctional Spaces On The Ground Floor 

On the lower floor, we recommend following fashion trends and creating the largest possible central room with a multifunctional purpose. This typically combines the living room with the kitchen and dining area. However, you can also accommodate a study area for working from home or use the room for home workouts. In short, it should be the social heart of the entire house, where all members of the household can spend the day together. 

On the top floor, you can situate separate rooms such as bedrooms, bathrooms, and more on the upper floor. The privacy of the individual residents should be paramount. 

3. Have No Sharp Boundaries, Just Smooth Transitions 

Partitions, doors, and strict boundaries are a thing of the past. Have one type of flooring, one type of paint or tiling throughout the floor, use the same type of furniture. You can find lots of inspiration on HGTV or your local Lowes and Home Depot stores. 

Any changes in style should be smooth, not sharp. This also applies to transitioning into the exterior. The living room can lead through French windows into the conservatory, followed by an outdoor terrace that leads seamlessly into the garden. 

4. Keep Sustainability In Mind 

Ecology is an important aspect of all new buildings. Try to take home sustainability into account in every step. Go for natural materials where possible. Insulate the building with the latest technology and consider installing photovoltaic panels or a heat pump for sustainable electricity and heating generation. 

Have A Fabulous Family Home 

Designing the right family home is no easy feat. It can be hard to please everyone in your family as well as property compliance requirements and future house buyers. Keep these tips in mind to perfect your properties.

5 Methods To Run A Construction Company

You don't work in construction because the work is easy; you do it because you love it. Learning how to run a construction company is no easy task either. Like any fine trade, it takes practice. 

We know you didn't set out to fail, so we've compiled a list of construction company tips that will lead you on your way to success. So if you are interested in improving your business, read on to learn some tips that should help improve your productivity and profitability. 

1. Consult Staff Members 

The people working on the job-site have a wealth of knowledge when it comes to the intricacies of day-to-day operations. They often have insight on how to efficiently improve processes compared to upper management who's job duties are hands-off. 

Consulting your staff early on in the planning process will create an opportunity for them to spot possible problems before they become a big issue. Your experience staff members have a lot of know-how when it comes to getting the job done; utilize them! 

2. Maintain Equipment 

Running a construction company is not possible without properly-maintained equipment in good working condition. When your equipment fails, it will lead to delays which will slow down productivity and lead to higher expenses. Your work-fore should perform regularly scheduled maintenance on all equipment to prevent breakdowns and delays. 

Equipment that's maintained at regularly scheduled intervals as per the manufacturer will last longer and cost less to own over time. A breakdown will often lead to expensive and time-consuming parts replacement. You would be kicking yourself if that happened, especially if it could have been easily prevented by replacing a few inexpensive parts before they wore out. 

3. Learn How To Run A Construction Company Using Technology 

The construction industry is bringing up the rear when it comes to industries that have adopted the use of technology. Granted, we don't need it for every aspect of the job, but there are some great technological resources for construction companies out there. 

Managers can utilize project management software to plan workflow and stay on track with the project timeline. There is technology available to help with accounting, construction IT services, and sharing job-site pictures with the team. 

4. Improve Productivity 

Productivity is a measure of effectiveness given the expended effort. Staying productive on a construction site means executing a carefully planned work schedule. Make sure the work is done in a logical sequence that maximizes the efficiency of all employees and contractors. 

Maximizing productivity will lead to completing jobs ahead of schedule and under budget, resulting in higher profits. 

5. Market Yourself 

Make your name synonymous with quality construction. That way your company will already be on the forefront of potential customer's minds when it comes time to bid a job. 

Put up signs at current job sites, plaster your company name on your work trucks, and take out an ad in your local papers. Set out to be a positive force in your community and your name will command respect when it comes to construction. 

Get To Work Building Your Business

There are many aspects to consider when learning how to run a construction company. The bottom line is profitability, so make sure to track your numbers from each construction job. 

If you found these tips for construction companies helpful, check out some of our other posts to learn more ways to improve your business! Visit the Real Estate section to learn more about construction, property management, and building strategies.

Checklist for First Time Home Buyers

Did you know that 64 percent of American adults are homeowners. Are you looking to join this club? Thumbs up to homeownership!

Homeownership comes with a number of benefits. You get to build wealth over time, you can customize its design and appearance, and you enjoy significant tax deductions.

Exciting, right?

However, the process of acquiring a home can be long and complex, especially if you are a first-time buyer. Worry not, though aspiring homebuyers. We are here to take the guesswork and pains out of this house purchasing process.

Here is a checklist for first time home buyers.


Determine Your Housing Needs

A common mistake first time home buyers make is entering the market without a fine grasp of their housing needs. If you do this, you might end up acquiring a house not because it’s what you needed, but because you liked it at first sight!

As such, the first step to buying a house is to pinpoint your exact housing needs. Consider the following points:

• How big is your family right now?
• How big will your family grow in the future?
• Do you work from home?
• How much garage space do you need?
• What features do you want the house to have?
• What about nearby amenities like schools and hospitals?

When you have answers to these questions, you’re more likely to find the right home.

That said, we all aspire to own dream homes. If you’re anything like the vast majority of first-time house buyers, it’s unlikely that your first home will also be your dream home. It’s vital to embrace that fact that what you need right now is a home that meets your needs, not wants.


Establish a Budget

A house is one of the largest financial investments you will ever make. Right now, the average price of a home in the United States is about $325,000.

First, now that you already know your housing needs, you can easily narrow down to specific properties and determine the price range. Can you afford it?

This is why you need to establish a budget.

Start by looking at your finances. If you’re able to pay for the house in cash, good for you. But if you’re going to rely on a mortgage, budgeting becomes even more crucial.

As a general rule of thumb, you need to be able to pay at least 20 percent of the house’ cash price. So if the home you need costs $300,000, you should be able to put down at least $60,000. If you are unable to raise this amount, then it’s clear the house is out of your budget.

In this case, you will need to revise or scale down your housing requirements. Or you may want to postpone the purchase until you get your finances right.


Get Pre-Approved for a Mortgage

There’s nothing imprudent about buying a home through a mortgage. After all, about 70 percent of homeowners in the U.S. have a mortgage.

While a mortgage can help you achieve your dream of homeownership, securing one can be challenging, particularly if your credit score isn’t in the green zone.

It’s, for this reason, you must get pre-approved for a mortgage before starting to hunt for a property. Pre-approval also lets you know the amount of money you’ll eventually qualify for, which enables you to know the price range of houses you will be searching.

To enhance your chances of getting the best mortgage lender and securing a mortgage approval, it’s highly advisable to work with a mortgage broker like a home loan specialist.

This professional won’t just increase your chances of securing a mortgage. They’ll also give your handy financial advice to ensure you’re purchasing a property that suits not only your housing needs but also your financial situation.


Hire a Real Estate Agent

Another professional you need on your team during the home buying process is a real estate agent.

Yes, an agent will add to your costs, but their services are worth the money. You see, hunting for a house is an exciting task, but that’s where the fun ends. When it comes to negotiating on a price and closing the deal, you’ll certainly fall short.

A local real estate agent will take the hard work out of your house hunting exercise. They know the properties that are on the market in your preferred neighborhood, so you won’t be moving from door to door looking for a “house for sale” sign.

Now, the question is: how do you find an experienced and reliable local real estate agent?

Contact any of your friends or relatives who live in the area you want to snap up a house and ask whether they can recommend an agent. If someone you know has a good experience with a certain agent, you can trust that they’ll also offer you a similar experience.

If you’re unable to get leads from your social circles, take your search online. The search engine will pull results of real estate agents near you, but be sure to evaluate ratings and read reviews before settling on an agent.


Strike Quickly

After finding the right property, make an offer and close the deal as quickly as possible.

Some first-time buyers make the mistake of dragging their feet once they find an ideal property. 

Some think they’ll find an even better property down the road.

Well, you’ll always find a better house if you keep looking, but it will certainly be pricier. And by the time you come back to your first option, you’ll find it sold!

The gist of this is move quickly after finding an ideal home. With an agent on your team, closing the deal shouldn’t be an uphill task.


Use This Checklist for First-Time Home Buyers

Fewer things are as exciting as shopping for a first home. However, don’t let excitement get in the way of doing the basics right. With this checklist for first time home buyers, you now know what you need to do.

All the best and keep reading our blog for more real estate tips and property management. Visit The Real Estate section of our website right now for more frugal insight and information.

How To Style Your Bedroom When On A Budget

For some unknown reasons, the bedroom seems to be the last space for people to spend their time and money on redesigning. Maybe because it is not the first room you see when you enter your home or the place where you enjoy your dinner with your family 

The bedroom is usually the place where the old college furniture pieces end up. However, your bedroom should be a place that you love to spend time with. The good news is, you can style your bedroom even when you are on a budget. 

Tips On How To Redesign Your Bedroom On A Budget 

Here are some design tips that you can use to help you redesign the space without spending a lot of money. 

1. Switch Things Up 

You can change the layout of your bedroom without spending any dollars! You can give your bedroom a whole new look by changing some of your furniture's location. Sometimes, less is often more. 

You can eliminate some excess furniture to open up some space and make it more refreshing. With a little time and energy, changing the direction of your bed can make all the difference! 

2. Change Your Throw Pillows And Bed Covers 

The bed is the focal point of any bedroom. That is why changing your throw pillows, and your bed covers are one of the best ways to make small changes. You can try choosing a bed cover that is entirely different from what you currently have. You can also stick to basics like white beddings. White beddings work well in all seasons. They can be layered with a wool blanket during winter and lighter sheets during summer. 

3. Change The Lighting 

Lighting is an essential element in any room. However, it is especially crucial if you want to create an inviting and relaxing atmosphere. You can also look to your bedside lamps for an impactful change. You can do this by switching out your existing lamp shades. 

4. Wall Arts 

Another thing you can do is arrange the wall arts in your bedroom. You can use modern farmhouse wall signs if you want a rustic feel in your bedroom. You can also arrange your wall arts in any way to create some layering. 

5. Paint 

Using paint is an essential and low-cost thing to consider if you want to give your bedroom a new look. When your wall has a moody accent, it can provide the space a more sophisticated look. You can use light grey or pale blue to give your room some comfortable and relaxing feel. You can also use paint to liven up an old piece of furniture. Paint your old dresser or nightstand with a bright, fun color. 

6. Think About Your Floor Too 

Like changing your bed covers, you can also add or change a rug in your bedroom. It will have a big impact and to your space. You can even think about adding a thick rug to pull a room together.

6 Simple Tricks To Reshape Your Backyard

If there is one place in your house that can offer a relaxing experience, that would be a backyard. A backyard is where you can plant a tree or build a small patio for yourself and your family. It brings a total comfort experience that helps you alleviate daily stress and tension in every living. That is why designing your backyard space is one important thing you need to prepare. 

So, are you ready to reshape your backyard space? In this article, we are giving you six simple tricks that can help you redesign your backyard space. It will help you create your dream backyard space because the materials are affordable. Plus, you can do-it-yourself some of this, that is why you can save lots of money. 

Six Tips To Restyle Your Backyard Living Space 

Here are the top 6 tips that can help you redesign your backyard: 

1. Create A Patio 

Having a patio helps you to boost your backyard style. Not only that, but it also increases the resale value of your property. You can select on either concrete patio or go for a wooden deck. 

2. Arrange a Stone Path 

Arranging brick stones to create a path to your backyard space helps you give a beautiful décor to your outdoor space. You can select stones with different sizes. It gives you a lovely landscape and prevents possible slippage on your guest. 

3. Fix A Trellis 

You can install a trellis if you want to add extra beauty to your outdoor space. You can create your trellis using metal or wooden boards. It offers excellent help, especially if you are going to elevate your plants to new heights. 

4. Install A Fountain 

If you want to create some natural and relaxing sound to your outdoor space, it’s time to install a fountain. A fountain provides a beautiful water feature in your backyard. It makes everything in a pleasant and smooth flowing energy. Once you stay in a garden with a fountain, it will help you to release negative energy to your body. It is like a waterfall that flows at the back of your yard. 

5. Consider Some Cool Lighting 

If you want to achieve the most beautiful backyard in your area, invest in outdoor lighting. You can line up some string lights to your patio area to create some starry-night ambiance. Also, select a warm white color because it sets the right tone to your backyard area. 

6. Hang Up Some Wall Décor 

Hanging a wall décor in your backyard area will add beautiful style to your outdoor space. You can add a hanging garden filled with small plants to relax beautiful you and your loved ones. 

If you want something unique, you can fix a family wall sign to your backyard. It offers some rustic design to your backyard space inspired by country home-style. 

To know more about these special and unique wall art, you can check here at personalized family wall signs. 

Bottom Line For A Better Backyard

Having a nice and serene outdoor living space provides many benefits. That’s why start to save some money and one at a time; follow the tips mentioned above to create your dream backyard design for your family and loved ones.

Checklist For Moving Away

Many Americans seem anxious to broaden their horizons. Whether to find new work or raise a family, the prospect of moving out is an appealing one. What is hindering most is the uncertainty of the action. Is the grass really greener on the other side? 

All U.S. states probably boast attractive prospects for movers. Those Memphis homes for sale start to look really attractive once you have finally decided you are going to move. Not all areas are going to fit your specific needs. Before you even budge, here are some things you need to know about moving to another state. 

Where Are You Living? 

It is not wise to start the moving process without having a location waiting for you. Start making a list of places you have recently traveled to. Are there any that you felt comfortable in? Do some research on housing prices. It is often said that a resident is merely a tourist who decided to stay. 

Spread The Word 

If you have any relatives or friends in the area, then it makes sense to let them know you are planning on moving. Depending on how close you are with both, you might be able to personally relay this news. Should that be difficult, try emailing them instead. Don’t forget to tell everyone about your job, of course. 

Employer Coverage 

When you put in your two weeks' notice, ask about moving reimbursements. Costs that are typically covered include shipping services, packing, and transportation. Some companies may only cover these based on whether or not you're relocating for a related job. The only way to find out is from a simple yes or no. 

Secure Your Stuff 

The most expensive part about moving (besides housing costs) is hiring movers. Professional movers require an expert evaluation of your property before giving an estimate. A cheaper alternative would be to rent a portable moving container for $2,000 to $3,000. Costs may vary based on container size, rent duration, insurance, and extra components. 

Legal Domicile 

Moving to a new state means big changes for your taxes. Establishing a new permanent residence means having to file for legal domicile. This is only because each state in the Union has its own laws pertaining to marriage, inheritance, or liability. The state legislature may require proof of residences such as voter ID, pet and vehicle licenses, or a new driver’s license. 

New Driver’s License 

Some areas are easy enough to navigate without a car, and others aren’t. If you are going to be driving in a new state, then you will need a new driver's license. A window of thirty days after moving applies, though state laws may vary. This process is quick and easy. Go to the nearest DMV as soon as possible with your social security and new address. 

Transfer Utilities 

Once you have moved in, make sure the lights work. Call your utility providers to let them know about the move. Schedule a transfer or installation to your new home address. Some locations, like condominiums, may already have a plan built in. In that case, take an assessment of what utilities are necessary to your living from the ones that aren’t.

Tips On Leasing Space For A Salon Business

Contrary to popular knowledge, most business owners rent their business spaces instead of buying or building. Renting is more convenient and affordable because it gives you the freedom to move or close down your business if things go south. Renting is also cheaper than the latter. Salon business owners are some of the renting enthusiasts. Before renting a space for your salon business, there are a few things you need to know. These property lease terms include: 

What Are The Terms Of The Lease? 

One of the most important things you need to know when renting or leasing a space for your salon or any other business is what the lease entails. You can find out all this information by reading the lease or rental agreement fully, word for word. Some people ignore this step because they find the document or papers to belong and uninteresting. However, you must know what it contains because it is like a contract. The lease usually contains general terms about the contract and all the agreements between you and the landlord. Therefore, you need to read it so that you can see if whatever is written in the document is the same as your agreement. 

This is an especially important move if the landlord is the one who made the document. It would be best if you made sure that they got the terms right. If there are any details that you do not agree with, you can go back and negotiate with the property owner, then make the necessary changes. Make sure you don't ignore the dates, payment figures, and other special terms. You also need to check your freedoms and those of the landlord when terminating the lease. 

How Easily Can Your Clients Access The Space? 

Another important factor to consider before renting or leasing a space for your salon is the accessibility of the area. Clients are an essential part of the success of any business, especially a salon. Therefore, you need a place in an area with a lot of foot traffic because the foot traffic will act as a marketing strategy for your business. You also need to check if the area has a parking space for your client's vehicles because salon services take time, and your client needs to be assured of the safety of their vehicles. It would help if you also had an area near transportation so that your clients can get to and from the location easily. Accessibility is, therefore, an important factor when choosing the location. 

How Many Clients Can Space Accommodate? 

The size of the space is also an important element you need to know. The size of the space directly influences your business size and the number of customers you can handle at a time. This means that you have to consider how many employees you have, the quantity of equipment, and your overall business needs. For instance, if you want the business to accommodate a beauty salon, spa, and other beauty services, you will need a large space. It is also worth noting that the business size affects the cost of renting or leasing it. 

It would help if you also considered whether or not the size of the space is expandable. If you intend to maintain the location for a while and expand your business in the future, you may need an expandable space. Getting an expandable space is a good move because you do not have to pay a lot of money for a large space, but if your business is successful, you can always expand it. 

How Is The Security In The Area? 

Security is a mandatory requirement when looking for any business space for hire. It would help if you had a place that will offer safety to both your employees and clients. Therefore, you need to look into aspects like the crime reports of an area. Note that the security of your business location directly affects your profits and marketability. 

Final Words On Salon Leases

You can also consider things like the sanitation of the space and its physical appearance. However, space's physical appearance is not too important because you can always change things by painting and interior decoration. Note that the cost of leasing the property or space is also a vital factor to consider if you are looking to find salon space.

Tips On Home Lighting That Looks And Feels Good

The importance of lighting in your home, both natural and artificial, cannot be understated. This is true whether you are selling your home or boosting your mental health naturally. Luckily there are a wide variety of home lighting options to boost your home's value while improving your mental health,, typically by decreasing anxiety and depression and improving sleep quality. 

Here are some of the top options for frugal home owners that need a bit of a boost mentally.

Sliding Sash Windows

Increasing the natural light shining into your home is one of the smartest ways to boost your mental health. When it comes to increasing natural light in your home, the more windows you have the better. Regardless of what windows your home currently has, you can get replacement sash windows customized to the look and feel you want. The fact that they are low maintenance and highly secure are also great for peace of mind as well. The charming window style will also make you smile!

Skylights

Skylights are definitely one of the most effective and awe-inspiring ways to add additional natural light to your home. They are one of the obvious choices, but they can only be done in certain rooms of certain homes, and can be quite expensive. If you have the option physically and financially, then it could be worth it for the value of your home and the boost in your mood!

Mirrors Near Doors & Windows

Let's face it, we can't all afford to put in endless windows, sliding doors, and skylights. What is the next best thing for adding natural light to your home and brightening things up almost free of charge? Mirrors! Adding mirrors to key areas of your home, especially near doors and windows that provide significant natural light, can amplify your overall home lighting. It can also maximize your artificial lighting as well if your options for lights or outlets are limited. There are plenty of great deals on mirrors at discount stores and online ecommerce shops. Adding more mirrors to your home could end up with you seeing yourself in a whole new light!

Bedroom Lights

The lighting and accessories in your bedroom is as essential to your mental health as it is to boosting the value of your home price. Before going to sleep you ideally want darker lighting to help your body's natural melatonin production. For this you can use warm color light bulbs and/or dimmable lights. Also make sure to avoid the blue light from televisions, computers, smartphones, and tablets before bed because the lights from these screens stimulate your brain instead of relaxing it.

Personal Portable Wellness Light

Sometimes when it comes to home lighting and mental health, you need a little extra help. That is where a personal wellness light comes in. These bright LED lights (usually under $50) are perfect morning companions on your nightstand or at your desk, and can give you a natural mental boost without resorting to caffeine or pills. They also use minimal electricity, so it is very light on the old wallet. They are also useful when leaving your home due to portability, most are the size of a tablet. 

Let There Be Light

Boosting your mental health naturally is always a good thing if you can manage it. Improving your home lighting is a great place to start. Let your light shine on!

10 Things To Consider When Buying A House

According to the latest data, approximately one-third of home buyers are first-time buyers. Are you getting ready to purchase your first home? Are you unsure of what to look for or what to focus on during your search? 

If the idea of buying a house feels daunting to you, keep reading. Listed below are 10 important things to consider when buying a house. 

1. Find The Right Realtor 

Buying your first home can be a stressful experience, for sure. You can reduce your stress, though, by working with the right realtor. 

Talk to several realtors before deciding whom you want to hire. Consider how well you get along with them, as well as their experience working with buyers like you. 

It helps to reach out to past clients of theirs, too. This gives you a chance to see what others have to say about a particular realtor before you commit to working with them. 

2. Prepare To Negotiate 

A lot of first-time homebuyers don't realize that they aren't obligated to agree to contracts as they're presented. Contracts are meant to be negotiated, after all. 

Don't let yourself get so intimidated by paperwork that you just sign on the dotted line and don't dig deeper into the specific information that the paperwork contains. 

Read through everything with care and take note of anything that seems questionable to you. Then, sit down with your realtor and talk to them about negotiating something different that is a better fit for you and your family. 

3. Think About The Future 

When it comes to things to do when buying a house, it is important to think about your future needs. Don't just focus on what you need and want right now. 

For example, do you want to have kids? If so, then it makes sense to buy a house with more bedrooms so that everyone will have their own space later on. You may be able to put an addition on for another bedroom, but not all houses can support that option.

Does your home in Washington take a beating from the elements? Is it looking worn and in need of a refresh? In this case it would pay big dividends to hire the leading Seattle siding contractors to give your home the style and protection it needs for many years to come.

Think, too, about how your career and income might change over time as well. Maybe you work on a freelance basis or make your money mainly from commissions. If this is the case, you'll need to make sure that you buy a house you can afford even when your income fluctuates. 

4. Look Beyond Purchase Price 

The purchase price matters, of course. Remember, though, that there are lots of other expenses that you need to take into account. The following are some of the other costs that will add to your monthly payment: 

• Insurance 
• HOA fees 
• Property taxes 
• Utilities 

Consider the cost of potential improvements and updates you might want to make to the house, too. All of this matters when you're creating a budget and calculating what you can afford to spend on your first home. 

5. Know Your Downpayment Options 

When you start thinking about buying a house, it's a good idea to get pre-approved for a mortgage loan. This helps you get an idea of what you can afford. It can also help you figure out how much you need to save for a downpayment. 

The average downpayment is about 20 percent of the cost of the house. However, some loans come with lower downpayment options. An FHA loan, which is secured by the Federal Housing Administration, for example, requires just a 3.5 percent down payment as long as your credit score is above 580. 

6. Walk Around The Neighborhood 

Remember, when you are buying a house, you need to account for more than the property itself. Take a walk around the neighborhood and think about whether or not it is a place you want to live long-term. 

Is it noisier than you would like? Do the neighbors seem friendly? Is it located close to your job, grocery stores, or restaurants? 

If you are going to be having children in the near future, it pays to look into the schools your kids will attend, too. What is the school district like? Are there any complaints about the schools that you should take into consideration? 

7. Assess The Appliances 

Nobody wants to move into a new home, only to find shortly after that the stove doesn't work or the refrigerator is on its last leg. Take a good look at the appliances when shopping for houses and find out how old they are before making a final decision. 

An old appliance might not necessarily be a deal-breaker. However, you will need to factor in the cost of updates when you are calculating what you can afford. 

8. Ask About The HOA 

Some houses are part of a Homeowners Association or HOA. If this is the case, you'll pay a fee each month to cover certain amenities, such as a community pool or playground. In some cases, your HOA fees might also cover utilities like water and trash removal. 

Before you invest in a particular home, find out how much the HOA fees are and what's included in them. You may want to talk to some neighbors and ask about how strict the members of the HOA are, too. 

9. Keep A Level Head 

It is easy to get stressed out or overwhelmed during the homebuying process. Do your best to keep a level head, though. If you make a quick decision based on a temporary emotion (you are scared a house is going to get sold to someone else if you don't act immediately, for example), you could end up in a more difficult situation later on. 

10. Always Get An Inspection 

House inspections are a very important part of buying a home. In many cases, they are required before you can move forward with a purchase. 

Even if you don't have to get an inspection, though, it is still a good idea to do so. It can help to alert you to potential issues with the house. That way, you can make sure that the seller fixes them (or lowers their asking price to make up for the expense of you fixing them) before they move forward with the sale. 

You Know What Things To Consider When Buying A House: Now What? 

As you can see, there are a lot of things to consider when buying a house. If you have been feeling overwhelmed or unsure of where to begin, be sure to keep these property factors in mind as you move forward with your real estate search. 

Do you want to learn more about what to know before buying a home? Do you have questions about real estate in general? 

If so, we have lots of other home buying and property management resources available on our site. Visit the Real Estate section of the Frugal Finance Blog today for some additional home buyer information.

Sideboards Benefits And Styling For Homes

Sideboards are a multipurpose piece of furniture. They can fit into multiple rooms of the house. Their small height and flat surfaces allow the homeowners to decorate the space above the sideboard. Moreover, the sideboards give them storage space to keep their valuables. 

If you have a flex space, you are looking to fill or want some extra storage space; you should consider a sideboard. Sideboards come in various designs if you want to check them and read more about them. 

What Are The Benefits Of Sideboards? 

• Easy To Access 

They are the perfect place to store extra things. For instance, the drawing-room's sideboard can be used to keep the crockery that you only use when the guest arrives. It will be easy to get them out when needed without any hassle. 

• Decorate Above The Sideboard 

Since sideboards are low in height, you can use the space above to decorate the area by keeping vases, mirrors on the wall, or paintings. 

• Storage Space 

They can be used to put away the clutter of the house. In the kid's room, they can be used to store toys, in the study room for papers for many other similar purposes. 

• Decorate The Flex Spaces 

They can also fit into odd spaces of the house like behind the staircase, in the hallway, or study rooms. They enable you to make use of the hard places, make use of them, and decorate them. 

How To Style The Sideboard? 

• Display Things In A Moderated Symmetry 

The top of the sideboard is an excellent place to display numerous items; however, you don't have to display them in a line you can bunch them up or place two identical things at each end of the sideboard. 

• Bohemian Charm 

You can create this design on your sideboard by haphazardly placing things. However, not everyone can do this artistic interior, and in trying to do this, many end up with clutter. 

• A Customized Sideboard That Compliments Your Décor 

You can also get a sideboard that compliments your décor. For instance, for the dining room, you can get a buffet that has a vine-cellar like a shape, for the lounge a sideboard on which you can put your TV and have shelves to keep your speakers and many other customizations can be done. It may be a bit of extra money, but it will be worth it. 

• Indoor Plants 

You can also style your sideboard by putting on pots of indoor plants. They will give your room a visual break, and they will also be good for the environment of your house. 

• Displaying Artwork 

The wall on which the sideboard is kept is the perfect space to put on your artworks. You can even put a collage of frames of varying sizes. Choose art pieces that would compliment not only your sideboard but also the room. 

• Displaying Memories 

If you are fond of framed up pictures, then you can decorate your house sideboard with lots of memorable moments of you, your friends, and your family. 

A sideboard is not an essential part of home decoration, but it can be instrumental.