How Home Equity Can Help Fuel Your Retirement

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  How Home Equity Can Help Fuel Your Retirement If retirement is on the horizon, now’s the time to start thinking about your next chapter. And you probably want to make sure you’re set up to feel comfortable financially to live the life you want in retirement. What you may not realize is you likely have a hidden goldmine of cash you’re not thinking about — and that’s your home.  Data  from the  Federal Housing Finance Agency  (FHFA) shows that home values have gone up nearly 60% over the last 5 years alone (see graph below): And that appreciation gave your net worth a big boost. According to  Freddie Mac , over the same five-year period: “ . . .  Boomer overall wealth increased by $19 trillion, or $486,000 per household, half of which is due to house price appreciation.” So if you’ve been in your house ever longer than that, chances are you have even more equity in your home. If you want to have access to more of the wealth you’ve built up throughout t...
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A TO-DO LIST YOU’LL LOVE: JANUARY GARDENING

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Ah, a whole year of gardening is ahead of us. January is the best time to pause, reflect and prepare for a year of incredible gardening.
OK, tired of reflecting? Here are a few winter gardening tips to keep you busy this January!


Things to Do in the Garden in January:
Ward off those winter blues with a hearty helping of green, gardening thoughts.  
Dream Big. Plan or rework your garden design. Pin inspiration, flip through gardening magazines and daydream ways to make your garden even better. Illustrate your garden plan to visualize the entire space.
Plan Small. Make a list of organic edible and flower seeds to grow. Get the most of seed starting by growing unique varieties, heirlooms and expensive grocery store plants. See what seeds to start indoors and when to plant them. 
Listen to the Songbirds. Nothing livens up a dreary, wintry day like a flock of fluttering birds. Fill bird feeders with tasty seeds this winter. 
Take a Look. Walk around your home and garden with a notebook. Imagine how you could reduce water usage, recycle more, compost or conserve energy. Each week in January, try one idea to see what works! Start by recycling your Christmas tree.
Clean It Up. Gather your trusty garden tools, and give them a good scrub. Rinse off the dirt, sharpen the blades and rub vegetable oil on the metal. 
  1. Taste Summer Flavors. Get your green thumb back in the potting soil. Start an indoor herb garden to harvest a garden-fresh taste on the coldest winter days. See what herbs do best indoors here.
Here’s to a home filled with fresh herbs, the sweet song of birds and a stack of gardening magazines. January’s looking quite charming after all!
Original article via espoma.com

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