4 ways to prepare your garden for autumn

 
 

As the sun-soaked days of summer begin to fade and the leaves on the trees begin to turn myriad autumnal hues, the cooler weather and shorter evenings tend to mean less time spent outside enjoying your garden, and more time cozied up indoors.

But before you put away your trowel and cover your garden furniture for the new season ahead, there are some key things to do to prepare your outdoor space and ensure that it’s able to withstand the turbulent weather conditions of autumn and winter.

Whilst it might be tempting to leave all of your pruning and prepping until springtime, getting ahead will make your life a whole lot easier when March comes around and means you’ll have less to do to get your garden looking gorgeous again. Plus, with some extra tricks, you can extend the time you’re able to spend in nature and enjoying the outdoors each year, and all of it is easier than you think.

From tidying and trimming to adding some luxurious new all-weather features, here are four easy ways to prepare your garden for autumn, and you can get started now.

Tidy up and prune

Autumn is the ideal time to tidy up your garden, and soon, you’ll likely find it’s essential. Gardens can begin to look very rough around the edges without some seasonal TLC, so start by removing any dead or dying plants, as these can become breeding grounds for pests and diseases over the winter. 

You’ll also want to prune back your perennials, shrubs, and trees, but be careful not to go overboard when doing so. Some plants do better if the stems and seed heads are left intact, as these provide structure and strength, as well as retaining some of their aesthetic appeal in winter and providing sustenance for birds and insects.

Cutting back overgrown plants will not only make your garden look neater, but will also help to promote healthy growth in the spring, so you’ll thank yourself for your hard work later on. Doing it now while the weather is still warm will also make it a more enjoyable task than if you leave it until winter.

Prepare your lawn

If you’re a luxury homeowner then you’ll know all too well the importance of maintaining a manicured lawn all year round, so to keep your grass healthy and looking neat during winter, you’ll need to do some prep. First, you’ll want to rake up any fallen leaves and other debris to clear the way, as these can be detrimental to grass health and encourage disease. Next, aerate your lawn to improve drainage and reduce soil compaction, which can be particularly problematic in the damp UK climate.

Applying a specialised lawn feed that is high in potassium will help to strengthen the grass for the cold months ahead – and overseeding any bare patches will ensure a lush, green lawn when spring arrives.

Plant spring bulbs

Many people opt to wait until springtime to plant anything new, but in fact, if you plant your spring bulbs in autumn then you won’t have to make a trip to the garden centre for blooming bedding plants in March or April as you’ll be well ahead of the game.

Daffodils, tulips and crocuses are all great choices and actually need the winter chill to bloom beautifully in the spring, and by planting them now, you’re setting the stage for a vibrant display as soon as the warmer weather returns. If you want to keep your garden looking lovely in the meantime, then add in some winter-flowering plants like pansies and heather to maintain color and plant some evergreen shrubs and late-blooming perennials, too.

Invest in a garden room

One of the saddest things about autumn’s arrival is that it usually means less time is spent in the garden due to less friendly weather, but one way to counteract this is by investing in a garden room. Treating yourself to a new, covered outdoor space is a great way to stay connected with nature whatever the season happens to be, and whether you’re dreaming of a cozy reading nook where you can settle in with a cup of tea and a good book whilst watching the rain fall over the garden, or a home office away from the hustle and bustle of the main house, the possibilities are endless.

Read more at LuxuryLifestyleMag.co

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I Asked an Organizer for the Best Way to Store Seasonal Decor, and She Had 3 Clever Ideas (Just in Time for Fall!)

 
 

As the last few months of the year near, I enter what I lovingly call my seasonal decor era.

As soon as Sept. 1st rolls in, I know that it’s time to transition my home from summer to fall, which then slowly turns from fall to holiday. It’s truly the most wonderful time of year in my opinion, but admittedly, I cringe a bit once it’s time to sift through my seasonal decor. 

It resides in big plastic tubs, which works just fine, but it makes finding specific items challenging. Not to mention the seasonal decor I know I’ve outgrown but am not sure what to do with, gets all mixed in with the ones I want to keep. 

Just like any other space, decluttering and organizing seasonal decor will make your life at home so much easier. I chatted with Natalie Ron of Swoon Spaces, who shared all of her seasonal decor organizing tips and hacks, so you can declutter just in time for fall

Before you organize, do a thorough edit.

Organizing your decor is only helpful when you have items that you use and love. When Ron works with clients, the first step for any organizational project is to do a thorough edit. Take the time to assess what you have and create piles for items to keep, donate, and discard. “Think about what you want to manage moving forward,” Ron says. “Anything you keep needs a place to be stored.” 

Keep in mind many thrift stores are happy to take seasonal decor donations, especially during this time of year. Once you have all of the items you’d like to keep, you can decide how you’d like to store them, depending on your space. “Definitely organize by holiday if you can,” Ron says. “You can organize by shelf, like one shelf for Halloween, next shelf for Christmas or Hanukkah, or you can organize by container.” 

Find storage solutions that are unique to your space.

As someone who lives in a small space with limited storage, seasonal decor is sprinkled everywhere from the linen closet, the coat closet, and even the bedroom closet. It’s not that we have a ton of it, it’s just that some of it is large and oddly shaped — specifically our faux Christmas tree, the tree collar, and Easter baskets. Ron assured me that every space is unique, and making it work in your home is the most important thing. “Fit decor where it fits! Organizing these items is not a perfect science, so we do our best with the space we have,” she shares.  

With that said, decide where you’d like to store your decor. A garage or an attic is ideal if you have them, but don’t worry if you live in a smaller space — you just need to be a bit more creative. “For smaller homes like apartments with minimal storage, utilize behind the door or under the bed for seasonal decor so they don’t take up ‘prime real estate’ for items you need more readily,” Ron recommends. If you’re really short on space, Ron suggests putting all of your decor in one bin, instead of separating holidays into different bins. “Just make sure to label all your holiday decor within each bin so you don’t waste time looking for things later,” she says.

Consider specialty storage solutions.

Most of my seasonal decor resides in big plastic tubs, which is a great choice according to Ron, as long as the bins are clearly labeled. “Labeling everything is key!” she exclaims. If you can, label the contents with your bin as well, to make finding decor easy. If you’re in the market for new storage bins, Ron recommends grabbing your tape measurer before purchasing. 

“Make sure the container is close to the exact measurements needed to fit the shelf or closet you’re placing it in so you’re maximizing your space utility,” she shares. It’s a great note, as one of my extra large bins does have some dead space within it. Getting a smaller plastic tub to replace it is on my list!

Certain decor pieces may require their specialty storage, like ornaments or string lights. I have string lights that are stuffed into a reusable grocery bag which is a low-key nightmare, and Ron suggested a holiday light storage organizer instead.

Other specialty storage solutions she recommends are ornament organizers, gift-wrapping stations, wreath protectors, and Christmas tree bags. Assess your space and your items, then decide accordingly. Once everything is organized and clearly labeled, the joy of bringing out your seasonal decor will simply grow. Happy organizing!

Read more at ApartmentTherapy.com

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Should You Sell Now? The Lifestyle Factors That Could Tip the Scale

 
 

Are you on the fence about whether to sell your house now or hold off?

It’s a common dilemma, but here’s a key point to consider: your lifestyle might be the biggest factor in your decision. While financial aspects are important, sometimes the personal motivations for moving are reason enough to make the leap sooner rather than later.

An annual report from the National Association of Realtors (NAR) offers insight into why homeowners like you chose to sell. All of the top reasons are related to life changes. As the graph below highlights:

 
 

As the visual shows, the biggest motivators were the desire to be closer to friends or family, outgrowing their current house, or experiencing a significant life change like getting married or having a baby. The need to downsize or relocate for work also made the list.

If you, like the homeowners in this report, find yourself needing features, space, or amenities your current home just can’t provide, it may be time to consider talking to a real estate agent about selling your house. Your needs matter. That agent will walk you through your options and what you can expect from today’s market, so you can make a confident decision based on what matters most to you and your loved ones.

Your agent will also be able to help you understand how much equity you have and how it can make moving to meet your changing needs that much easier. As Danielle Hale, Chief Economist at Realtor.com, explains:

“A consideration today’s homeowners should review is what their home equity picture looks like. With the typical home listing price up 40% from just five years ago, many home sellers are sitting on a healthy equity cushion. This means they are likely to walk away from a home sale with proceeds that they can use to offset the amount of borrowing needed for their next home purchase.”

Bottom Line

Your lifestyle needs may be enough to motivate you to make a change. If you want help weighing the pros and cons of selling your house, connect with a local real estate professional today.

Read more at KeepingCurrentMatters.com

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How the Federal Reserve’s Next Move Could Impact the Housing Market

 
 

Now that it’s September, all eyes are on the Federal Reserve (the Fed).

The overwhelming expectation is that they’ll cut the Federal Funds Rate at their upcoming meeting, driven primarily by recent signs that inflation is cooling, and the job market is slowing down. Mark Zandi, Chief Economist at Moody’s Analytics, said:

“They’re ready to cut, just as long as we don’t get an inflation surprise between now and September, which we won’t.”

But what does this mean for the housing market, and more importantly, for you as a potential homebuyer or seller?

Why a Federal Funds Rate Cut Matters

The Federal Funds Rate is one of the key factors that influences mortgage rates – things like the economy, geopolitical uncertainty, and more also have an impact.

When the Fed cuts the Federal Funds Rate, it signals what’s happening in the broader economy, and mortgage rates tend to respond. While a single rate cut might not lead to a dramatic drop in mortgage rates, it could contribute to the gradual decline that’s already happening.

As Mike Fratantoni, Chief Economist at the Mortgage Bankers Association (MBA), points out:

“Once the Fed kicks off a rate-cutting cycle, we do expect that mortgage rates will move somewhat lower.”

And any upcoming Federal Funds Rate cut likely won’t be a one-time event. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says:

“Generally, the rate-cutting cycle is not one-and-done. Six to eight rounds of rate cuts all through 2025 look likely.”

The Projected Impact on Mortgage Rates

Here’s what experts in the industry project for mortgage rates through 2025. One contributing factor to this ongoing gradual decline is the anticipated cuts from the Fed. The graph below shows the latest forecasts from Fannie Mae, MBA, NAR, and Wells Fargo (see graph below):

 
 

So, with recent improvements in inflation and signs of a cooling job market, a Federal Funds Rate cut is likely to lead to a moderate decline in mortgage rates (shown in the dotted lines). Here are two big reasons why that’s good news for both buyers and sellers:

1. It Helps Alleviate the Lock-In Effect

For current homeowners, lower mortgage rates could help ease the lock-in effect. That’s where people feel stuck within their current home because today’s rates are higher than what they locked in when they bought their current house.

If the fear of losing your low-rate mortgage and facing higher costs has kept you out of the market, a slight reduction in rates could make selling a bit more attractive again. However, this isn’t expected to bring a flood of sellers to the market, as many homeowners may still be cautious about giving up their existing mortgage rate.

2. It Should Boost Buyer Activity

For potential homebuyers, any drop in mortgage rates will provide a more inviting housing market. Lower mortgage rates can reduce the overall cost of homeownership, making it more feasible for you if you’ve been waiting to make a move.

What Should You Do?

While a Federal Funds Rate cut is not expected to lead to drastically lower mortgage rates, it will likely contribute to the gradual decrease that’s already happening.

And while the anticipated rate cut represents a positive shift for the future of the housing market, it’s important to consider your options right now. Jacob Channel, Senior Economist at LendingTree, sums it up well:

“Timing the market is basically impossible. If you’re always waiting for perfect market conditions, you’re going to be waiting forever. Buy now only if it’s a good idea for you.”

Bottom Line

The expected Federal Funds Rate cut, driven by improving inflation and slower job growth, is likely to have a positive, albeit gradual, impact on mortgage rates. That could help unlock opportunities for you. When you’re ready, connect with a local real estate agent so you’re prepared to take action.

Read more at KeepingCurrentMatters.com

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What's the Impact of Presidential Elections on the Housing Market?

 
 

It’s no surprise that the upcoming Presidential election might have you speculating about what’s ahead.

And those unanswered thoughts can quickly spiral, causing fear and uncertainty to swirl through your mind. So, if you’ve been considering buying or selling a home this year, you’re probably curious about what the election might mean for the housing market – and if it’s still a good time to make your move.

Here’s the good news that may surprise you: typically, Presidential elections have only had a small, temporary impact on the housing market. But your questions are definitely worth answering, so you don’t have to pause your plans in the meantime.

Here’s a look at decades of data that shows exactly what’s happened to home sales, prices, and mortgage rates in previous Presidential election cycles, so you can move forward with the facts as you weigh the pros and cons of your homeownership decision.

Home Sales

In the month leading up to a Presidential election, from October to November, there’s typically a slight slowdown in home sales (see graph below):

 
 

Some consumers will simply wait it out before they make their purchase decision. However, it’s important to know this slowdown is small and temporary.

Historically, home sales bounce right back and continue to rise the following year.

In fact, data from the Department of Housing and Urban Development (HUD) and the National Association of Realtors (NAR) shows after 9 of the last 11 Presidential elections, home sales went up the year after the election, and it’s been happening consistently since the early 1990s (see chart below):

 
 

Home Prices

You may also be wondering about home prices. Do prices come down during election years? Not typically. As residential appraiser and housing analyst Ryan Lundquist notes:

“An election year doesn’t alter the price trend that is already happening in the market.”

Home prices generally rise over time, regardless of an election cycle. So, based on what history shows, you can expect the current pricing trend in your local market to likely continue, barring any unusual market or economic circumstances.

The latest data from NAR reveals that after 7 of the last 8 Presidential elections, home prices increased the following year (see chart below):

 
 

The one outlier was from 2008 to 2009, which was during the height of the housing market crash. That was certainly not a typical year. Today’s market, however, is much more resilient. And while prices are moderating nationally, they aren’t on an overall decline.

Mortgage Rates

And the third thing that’s likely on your mind is mortgage rates, since they impact your monthly payment if you’re financing a home. Looking at the last 11 Presidential election years, data from Freddie Mac shows mortgage rates decreased from July to November in 8 of them (see chart below):

 
 

And this year, we’ve already started to see that happen. Most experts also forecast mortgage rates will ease slightly throughout the rest of 2024. If that happens – and all signs right now indicate it should – this year will continue to follow the trend of declining rates. So, if you’re looking to buy a home in the coming months, this could be great news for your purchasing power.

What This Means for You

What’s the big takeaway? While Presidential elections do have some impact on the housing market, the effects are usually minimal. As Lisa Sturtevant, Chief Economist at Bright MLS, says:

“Historically, the housing market doesn’t tend to look very different in presidential election years compared to other years.”

For most buyers and sellers, elections don’t have a major impact on their plans.

Bottom Line

While it’s natural to feel a bit uncertain during an election year, history shows the housing market remains strong and resilient. And this means you don’t have to pause your plans in the meantime. For help navigating the market during this election cycle, reach out to a local real estate agent. 

Read more at KeepingCurrentMatters.com

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