The Perks of Buying over Renting

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  The Perks of Buying over Renting Thinking about buying a home? While today’s  mortgage rates  might seem a bit intimidating, here are two solid reasons why, if you’re ready and able, it could still be a smart move to get  your own place . 1. Home Values Typically Go Up Over Time There’s been some confusion over the past year or so about which way  home prices  are headed. Make no mistake, nationally they’re still going up. In fact, over the long-term,  home prices  almost always go up ( see graph below ): Using  data  from the  Federal Reserve  (the Fed), you can see the overall trend is home prices have climbed steadily for the past 60 years. There was an exception during the 2008 housing crash when prices didn't follow the normal pattern, but generally, home values kept rising. This is a big reason why  buying a home  can be better than  renting . As prices go up and you pay down your mortgage, you build  equity . Over time, this growing equity can really increase your net wort
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Refresh Your Space: Creative January Decorating Tips

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As the holiday season fades into fond memories, January welcomes a clean slate and a perfect opportunity to breathe new life into your living space. Embrace the freshness of the new year by revitalizing your home decor. Here are some inspiring January decorating tips to infuse your space with renewed energy:

1. Embrace Simplicity

After the festive decorations are packed away, embrace simplicity. Opt for a minimalist approach by decluttering and allowing your space to breathe. Clean lines and uncluttered surfaces can bring a sense of calm and clarity.

2. Seasonal Touches

Introduce subtle seasonal elements into your decor. Consider using winter-themed accents like cozy blankets, textured pillows, or soft rugs in cool hues to evoke a sense of warmth and comfort during the colder months.

3. Fresh Greenery

Bring the outdoors in by incorporating fresh greenery. Potted plants or a vase of winter flowers add a touch of nature and vitality to your space, uplifting the ambiance.

4. Rearrange Furniture

Experiment with rearranging your furniture layout. A simple change in furniture placement can give your room a fresh perspective and a new focal point.

5. Functional Organization

Invest in stylish storage solutions that complement your decor. Functional organization not only keeps your space tidy but also adds aesthetic appeal.

6. Reflective Surfaces

Incorporate mirrors strategically to amplify natural light and create the illusion of a larger space. Mirrors not only add depth but also serve as decorative pieces.

7. Layer Textures

Layer textures to add depth and visual interest. Mix and match different textures such as knit throws, velvet cushions, or faux fur rugs to create a cozy and inviting atmosphere.

8. Artful Display

Curate a gallery wall or display art pieces that resonate with you. Personalized artwork or photographs add character and reflect your unique style.

9. Candlelight Ambiance

Create a warm and inviting ambiance with candles. Use scented candles in calming fragrances to elevate the atmosphere and add a touch of luxury.

10. Seasonal Aromas

Infuse your home with seasonal scents using essential oil diffusers, potpourri, or scented candles. Scents like pine, cinnamon, or citrus evoke a cozy and inviting environment.

11. Accent Colors

Experiment with accent colors to revitalize your space. Introduce pops of color through accessories like throw pillows, rugs, or decorative pieces to add vibrancy.

12. Personal Touches

Finally, add personal touches that reflect your personality and experiences. Display cherished mementos or souvenirs that bring joy and meaning to your space.

January presents an opportunity to reimagine your living space. By incorporating these decorating tips, you can create a harmonious and inviting environment that sets the tone for a fresh start in the new year.

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