House and Home

Why We Choose to Live in a Smaller Home

Why We Choose to Live in a Smaller Home

Not too long ago, unhappy with our rapidly deteriorating carpet my husband announced that he was thinking that maybe we should move to a larger home. His desire for a larger home also stemmed from the […]

How Much House Can You Afford to Buy?

Mortgage interest rates are at historic lows as a result of one of the worst global recessions in modern times. The housing market remains sluggish, which has driven down the price of homes making them very […]

5 Fall Tasks to Get the Most Out of Your Garden Next Year

5 Fall Tasks to Get the Most Out of Your Garden Next Year

As cool weather approaches, all but the most avid gardeners begin thinking about putting our gardens to bed for the winter. If you’ve grown weary of gardening, it’s tempting to just let your garden die and […]

Is It Time to Start Thinking of Buying a House?

The Federal Reserve just announced an open-ended quantitative easing program that will pump $40 billion a month into the economy in the attempt to stimulate growth. The move is designed to keep borrowed money cheap, and […]

Which is Better: Points or No Points on Your Mortgage?

Which is Better: Points or No Points on Your Mortgage?

Buying your first home can be a confusing process, and one of the most confusing aspects is financing the home. If you’re not financially savvy some of the terminology used in the mortgage industry can make […]

30 Year Mortgage vs. 15 Year Mortgage: Pros and Cons

One of the decisions you have to make when you buy a home is often whether you want a more “standard” 30 year mortgage, or if you want a 15 year mortgage. What you decide, as […]

Can You Live Off Your Home Equity?

Can You Live Off Your Home Equity?

Even with the current problems in the real estate market, there are still homeowners who have a decent amount of equity in their homes. These homeowners are likely to have been in their homes for a […]

6 Simple Home Improvement Projects You Can Do On Your Own

6 Simple Home Improvement Projects You Can Do On Your Own

Summer is a great time for working on the house, since the weather is nice and the days are longer. We moved into our house four years ago, and it needed a LOT of work. Over […]

Is It Worth It to Build a Green Home?

Is It Worth It to Build a Green Home?

I’m a dreamer with a big imagination and a disdain for high utility costs. Over the past several years I’ve kept a lot of green or environmental design websites bookmarked. I visit them regularly, check on […]

Is Now a Good Time to Buy a Home?

Is Now a Good Time to Buy a Home?

When most people think of the American Dream, home ownership is a part of the equation. At least it was until the housing bubble burst in 2008. As home prices dropped and foreclosures rose, potential homeowners […]

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Disclaimer and Legal Mumbo Jumbo

I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

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