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Practical steps to plan a remodel

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(Family Features) If you’re planning a home remodeling project but don’t know where to start, you’re not alone. Starting any remodel or renovation can be nerve-wracking, but having the right steps in place, from picking the project to smart financing strategies, can lessen the stress.

Before beginning any project, homeowners should consider what projects they want to prioritize, what they can afford and smart financial solutions to pay for it all. This can help you complete the project on time, on budget and with less stress.

Do Your Research
Part of being prepared for a renovation project is doing your research. That means considering design and material options that reflect your personal tastes and what might add the greatest value to your lifestyle and home. It’s also important to plan ahead for factors like long lead times for contractors or supplies.

Establish a Budget
Before you begin planning a project, determine what you can afford. If your list of upgrades is larger than your budget allows, consider a short-term budget and a long-term one so you can tackle some smaller projects more immediately and save the bigger renovations until you’ve had a chance to save or secure additional financing.

Set a Financial Strategy
Setting a budget and determining your financial strategy aren’t quite the same thing. Once you have a budget set, you’ll need to decide how to pay for the work. According to a survey by online lender LightStream, savings accounts provide at least some capital for about 66% of homeowners who plan to renovate. However, in today’s uncertain economy, depleting a savings account may make you nervous, especially if you’re tapping into an emergency fund.

Credit cards are a financial strategy about 30% of homeowners will use. However, unless card charges are paid off quickly, you may end up carrying that debt for years, making your project much more expensive due to high interest rates over a long repayment timeline.

An unsecured consumer loan, like those provided by LightStream, may be another financing option and can often save thousands in interest charges compared to credit cards. Homeowners with good credit can borrow up to $100,000 at fixed rates with no fees. Funds can be deposited directly into customers’ bank accounts as soon as the day they apply and can be used to pay for any renovation service, finishes or products.

Prioritize Projects
With your budget in mind, you can turn your attention to which renovations to prioritize. When possible, begin with your home’s most immediate needs, even if they may not be the most exciting projects. Go for lasting impacts rather than cosmetic fixes. Repairing a leaky roof or crumbling foundation may not be as dreamy as creating a chef’s kitchen, but it’s important to make sure the projects you elect to do sooner set you up for success­­ – and improved home values – later.

Beyond critical repairs, the survey found the most popular projects homeowners planned this year include kitchen (38%) and bathroom remodels (32%). Building home offices also jumped in popularity as the pandemic drove a focus on upgrading remote workspace, doubling to more than 26% of planned projects.

Consider the Environment
For many homeowners, Mother Nature plays a role as to which renovations are prioritized.

About 35% of survey respondents said they plan to invest in projects that improve their outdoor living spaces. When it comes to indoor improvements, consumers are interested in incorporating eco-friendly and sustainable products such as smart systems, energy-efficient lighting, solar panels, air and water filtration systems, insulated windows and other money-saving, eco-sensitive products.

Many people are also choosing to work with companies that are committed to environmental responsibility. For example, through a partnership with American Forests, LightStream plants a tree every time it funds a loan, totaling more than 1 million trees planted across the United States.

Find more advice to get your home improvement project underway at Lightstream.com/remodel.

Photos courtesy of Getty Images


SOURCE:
LightStream

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Ready, set, spring: 5 early season yard tips

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(Feature Impact) As the days lengthen and warm air has you ready to get your patio furniture out of storage, that means it’s time to give your yard a fresh start. With a little planning now, you’ll be rewarded with a fuller, greener and easier-to-maintain outdoor space once spring is in full bloom.

1. Start With a Clean Slate
Winter leaves behind plenty of debris, including fallen branches and matted leaves. Before you start planting, take a walk around your yard and tidy up:

  • Rake moisture-trapping twigs and leaves that can cause fungus
  • Remove dead plants or spent annuals from flower beds
  • Sweep or power wash patios and walkways

2. Tune Up Tools
Digging into yard work only to find rusty shears or a squeaky mower can prolong the task. Instead, ensure your tools are in good working order:

  • Sharpen blades on lawn mowers, shears and pruners
  • Install fresh string on trimmers and weed eaters
  • Replace old fuel or clean air filters on gas-powered tools

3. Assess Your Lawn
Early spring is ideal for noticing how winter treated your grass. Dethatching and aeration can go a long way toward helping grass absorb nutrients. Set the stage for lush growth once warmer weather arrives by looking for:

  • Bare patches that need reseeding
  • Weeds making an early debut
  • Compacted soil where water pools instead of soaking in

4. Give Plants the Right Start
Now’s the time to prep beds for new life. Before you plant:

  • Loosen soil and mix in compost for nutrients
  • Add mulch around perennials
  • Plan your planting based on sun and shade patterns

5. Hydrate Wisely
Strong roots start with proper hydration. Even before sprigs pop up, early spring can be dry as the sun gets higher. Remember to:

  • Water flowerbeds if rainfall has been scarce
  • Check irrigation systems for damage
  • Mulch lightly after soil warms to lock in moisture

Getting your yard ready early in spring isn’t about perfection; it’s about setting yourself up for outdoor enjoyment all season long. Find more tips to get your yard in shape at eLivingtoday.com.

Photo courtesy of Shutterstock

    

SOURCE:

eLivingtoday.com

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Refresh your home: Spring cleaning checklist

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(Feature Impact) After months of winter, spring cleaning isn’t just about dusting and vacuuming – it’s about inviting sunlight and fresh air into your space through the open windows and giving yourself a fresh start for the longer days ahead.

It’s also a perfect opportunity to clear out the old and make room for new experiences, memories and energy. Whether you’re tackling deep cleaning for the first time or you have seasonal rituals for tidying up your home, this room-by-room guide can help you plan and conquer seasonal chores.

Whole Home:

  • Declutter spaces: Donate, recycle or discard what you don’t need
  • Wash windows inside and out
  • Dust baseboards, walls, vents and ceiling fans
  • Wipe down doors, knobs and light switches
  • Vacuum and clean under and behind furniture
  • Clean curtains and blinds
  • Store seasonal items like winter clothing and decor
  • Replace air filters
  • Shampoo carpet

Kitchen:

  • Empty and wipe down refrigerator and freezer
  • Clean oven, stovetop and microwave
  • Scrub countertops and backsplashes
  • Clean out the garbage disposal
  • Sweep and mop floors
  • Organize the pantry and throw away any expired items

Bathrooms:

  • Scrub grout and tile
  • Clean mirrors and glass surfaces
  • Deep clean toilets
  • Wipe down cabinets and bathroom fixtures
  • Wash rugs, floor mats and the shower curtain and liner
  • Empty trash and clean the bin

Bedrooms and Other Living Areas:

  • Wash bedding, pillows and linens
  • Organize closets and drawers
  • Vacuum chair, couches and mattresses as well as under cushions
  • Dust shelves and decor
  • Clean light fixtures and lampshades

Outdoor Areas:

  • Power wash patios, sidewalks and driveways
  • Wipe down outdoor furniture and replace textiles like pillows, cushions and umbrellas
  • Clear debris from garden beds
  • Prune shrubs, plants and trees
  • Organize garages and sheds
  • Reconnect hoses and sprinklers
  • Prep lawn equipment such as mowers, weed eaters and blowers

For more spring cleaning tips and tricks, visit eLivingtoday.com.

Photo courtesy of Shutterstock

    

SOURCE:

eLivingtoday.com

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Curating a memorable vacation for your family

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(Family Features) Travel has a way of slowing time down, creating memories for loved ones that last long after suitcases are unpacked and regular routines return. For many Americans, their most treasured family memories took place on a vacation or trip rather than at home.

In fact, nearly 67% said they value a core memory more than a physical souvenir after a vacation, according to a survey commissioned by Holland America Line, a cruise line that has been exploring Alaska for nearly 80 years. What’s more, almost 86% of survey respondents said they have looked at photos or videos from a past trip to lift their mood, and more than 90% said positive travel memories can improve their mood during difficult times.

With Alaska on the travel bucket list of more than two-thirds of Americans, it’s a destination that is influencing experience-focused family adventures.

Explore Curiosities
Travel is about more than seeing new places. For many Americans, it’s also a time to learn, explore new interests and slow down. Booking a cruise can encourage those behaviors.

According to the survey, 61% of Americans are more likely to try new foods while traveling on a cruise, and nearly half (48%) said they’ve discovered a new interest or hobby during their cruise, including wildlife, food, history or culture. For example, cruise guests may be able to try local specialties, like fresh Alaskan seafood, reindeer sausage, birch syrup and Alaskan berries, while on board.

Unstructured time is part of the appeal of cruises, with 28% of respondents sharing they read more during their trips.

Focus on Nature
Nature-focused destinations stand out because they offer experiences that feel rare and immersive, especially in places where wildlife and landscapes are central to the journey. More than 4 in 10 survey respondents said seeing wildlife in nature would be the most memorable family vacation experience, compared with about 12% who said meeting a character at a theme park would stand out most.

Whether spotting whales, watching glaciers calve or seeing the Northern Lights stretch across the Alaskan sky, the landscape being part of the experience helps define the journey. To help guests witness the majestic animals found in Alaska, including whales, eagles, bears, moose, otters, seals, sea lions and more, Holland America Line carries a wildlife expert on board. Plus, a wildlife spotting guide points out native animals found along the cruise route and a map with the best places to see each species is included.

“Guests tell us time and again how profoundly nature shapes the memories they carry home,” said Robert Morgenstern, senior vice president of Alaska Operations at Holland America Line. “Wildlife sightings, time outdoors and shared moments linger long after the cruise ends, especially for families exploring Alaska together.”

Reimagine Family Time
For families, travel often creates time for bonding that daily routines simply don’t allow. More than half of the survey respondents said their best family memories occurred while traveling together, and more than 4 out of 5 (82%) said some of their strongest family bonding moments happened during a vacation or family trip.

In addition to shared memories, more than 91% said travel had a positive impact on their mental and emotional well-being.

As travelers look for relief from routine and overstimulation, finding experiences rooted in nature, exploration and shared moments can help create lasting memories and emotional connection.

To learn more about Alaska travel and book your next family adventure, visit hollandamerica.com.

    

SOURCE:

Holland America Line

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