Finance Lifestyle

5 Ways To Get Started With Retirement Savings

Saving for retirement is one of those things that everyone knows that they need to do, but many people aren’t sure how or when to start. If that sounds like you, here are five different ways that you can get started on your retirement savings. So no matter where you are on your journey towards retirement, take a look at these actionable steps to help you take one more step along that road.

Resolve to start today

An old proverb says that the best time to plant a tree is twenty years ago while the second-best time is today. While it is true that the best time to start maximizing your retirement savings is when you’re young, that’s also the time when people generally have the least amount of spare money to invest. So if your retirement account balances aren’t as robust as you’d prefer, resolve to start today to start saving a little bit more. No matter how old you are or how close you are to retirement, it’s never too late to start saving.

Contribute to your 401k plan, especially if your employer matches

Another great vehicle for retirement savings is the 401k plan, named after section 401(k) of the United States tax law that authorized their creation. 401k plans are sponsored and administered by employers, and they allow you to get a tax deduction for any of the income that you contribute. You can sign up for a 401k plan through your employer, generally through the HR or payroll departments. You elect how much of your pay you want to contribute each pay period, and that amount is subtracted from the amount you have to pay tax on.

There is a limit to the amount that you can contribute to your 401k each year, which is typically indexed for inflation. In 2020, you can contribute $19,500 of your income. In addition, if you’re 50 or older, you are additionally allowed to make what are called “catch-up” contributions. In 2020, those 50 or older can contribute an additional $6,500 of their income.

Many employers choose to make contributions to the 401k accounts of their employees. In many cases, this is structured as a match to employee contributions. One example of this might be an employer who offers a 100% match on the first 3% contributed to a 401k and a 50% match on the next 3% contributed. If your employer matches 401k contributions, that should be just about the first place you start investing. An employer match is the nearest thing to free money.

Open an IRA

Another great way to get started with retirement savings is by opening an Individual Retirement Account (IRA). There are two main types of IRA – a traditional IRA and a Roth IRA. The two types of IRAs are similar in that they are both vehicles to help you save for your retirement, but they have a few important differences. A traditional IRA works similar to a 401k plan – you don’t pay tax on any money contributed now, but you will pay tax in retirement when you withdraw it. A Roth IRA works in reverse – you contribute now with after-tax money, but then you don’t have to pay tax on any of the contributions OR growth of your IRA when you withdraw it in retirement.

Just like with 401(k) plans, if you’re 50 or older, you may also be able to make catch-up contributions. This can allow you to contribute more than the maximum to your IRA. In 2020, workers who were eligible to make catch-up contributions could contribute an extra $1000 to their IRAs.

Set up automatic contributions, and forget about them

No matter what type of account you choose to start your retirement savings, one important way to get started with retirement savings is to set up automatic contributions. When you only save money after all your other bills are paid, you often find yourself with nothing left at the end of the month. It’s a better idea to pay yourself first. Set up automatic contributions to your retirement account and then forget you did. Most people find that they don’t even notice the money that gets transferred out automatically, because they never actually see it.

Invest your “found” money

Our final suggestion to get started with retirement savings is a way to provide a little bit of an extra jolt. After you set up your automatic contributions, you might find that you occasionally come across a little bit of extra money that you weren’t expecting. This could be income from garage or online sales, an unexpected refund check, money from side hustles, or even money that you literally find on the ground. Instead of just taking that cash and depositing it into your regular bank account, jump start your retirement savings by contributing that “found” money right into your retirement account.

The post 5 Ways To Get Started With Retirement Savings appeared first on MintLife Blog.

Housing Market Updates

Crawl Space Maintenance: Insulation, Ventilation, and Encapsulation

Crawl spaces are often out of sight and, consequently, out of mind, making them easy to neglect. But without proper maintenance your crawl space is susceptible to moisture, heat loss, pests, and a host of other complications. These common problems can damage your home’s foundation, cause sky-high energy bills, and introduce toxins into the air you breathe. With as much as 40 percent of the air in your home originating from your crawl space, keeping up on your crawl space maintenance plays a big role in the air you breathe and the long-term health of your home.

crawl space

What is a Crawl Space?

A crawl space is a small area, ranging from one to three feet in height, that resides between the bottom floor of your home and the ground. A crawl space provides extra room for your home’s electrical wiring, plumbing components, and HVAC equipment. The height of the crawl space is limited, and getting into the area must be done by crawling, either on your stomach or your hands and knees. If you’re a prospective buyer or own a home in close proximity to water or near a marsh, exploring the crawl space is a necessary part of a home inspection. So, if you’re considering moving to somewhere like Miami, FL, don’t overlook the crawl space when making an offer on a home.

What’s the Difference Between Crawl Space vs. Basement?

Crawl spaces are typically used in damp climates, where the ground is regularly too wet for basement construction. Supporting the home off of the ground keeps it away from moisture that could cause damage. In coastal areas where the soil is sandy, a crawl space can alleviate potential basement problems, like excessive water buildup that could put pressure on basement walls. Crawl spaces are also sometimes preferred in construction when a basement is too costly. Installing a crawl space is cheaper than installing a basement.

crawl space

A basement is a popular type of foundation that can add space and functionality to a home. Basements are often used as storage space, living areas, or both. A basement combines elements of a slab and crawl space. The floor in a basement is very similar to slab concrete, and the support system used under the basement floor is the same as what is used in a crawl space. Although basements can be a great addition to a home, they cannot be built in areas with high moisture levels or unsettled soil. They also happen to be the most expensive type of foundation to build.

Crawl Space Solutions for Common Problems

Problem: Moisture

Homes with poor ventilation are more susceptible to crawl space issues than others. Without regular evaluation and crawl space maintenance, you may not know there is a problem until it’s too late. Signs of excessive moisture throughout the home are often readily noticeable, but signs of moisture in your crawl space may be harder to detect. Unfortunately, moisture in a crawl space can be just as problematic, causing complications such as mildew, dust mites, mold, and wood rot. When there is nowhere left for moisture to go within a crawl space, it can then travel into your insulation, flooring, and walls to create even larger problems. Crawl spaces with exposed dirt most commonly have trouble with an excess of moisture.

Solution: Vapor Barrier

A vapor barrier is one of the best ways to protect your home against the encroachment of moisture. Essentially a large plastic sheet placed over the base of a crawl space, vapor barriers are intended to fully cover any exposed dirt. While this doesn’t completely eliminate moisture, it does slow the process significantly. At 50 to 70 cents per square foot, sheet plastic is a cost-effective barrier for moisture in your crawl space. A vapor barrier can be a DIY project if you’re willing to get down and dirty, but the labor that goes into covering the entire ground area can be challenging to accomplish on your own. You’ll need a friend to help you pass the rolls of sheet plastic back and forth through the crawl space, or if this sounds too labor-intensive, a professional contractor may be the way to go.

Solution: Encapsulation

If a vapor barrier alone isn’t enough to tame moisture and ventilation problems, encapsulation can be a great alternative. The first step in this process involves a vapor barrier coupled with sealing tape and coverage of walls and ceiling areas. A complete encapsulation includes drain tile, a sump pit and pump, concrete, insulation, and a dehumidifier to properly condition the air.

While placing a vapor barrier can be done independently, encapsulation is best handled by a professional. The installation process takes expertise, and installing a dehumidifier is best left to a trained technician. Hiring a contractor for this work costs about $5,500 on average

Problem: Energy Loss

A crawl space isn’t a livable part of the home, but insulation is still important to keep the heat in. Crawl spaces can be a major source of energy loss. If you find yourself running your furnace all winter long, driving up high energy bills, yet still feel cold on the ground floor of your home, your crawl space could be the issue. If your crawl space isn’t properly insulated from the cold, you could be wasting energy and driving up your utility bills. If you want to live more sustainably and save money on heating bills, you should consider insulating your crawl space.

Solution: Insulation

Insulating your crawl space depends on the general climate in your area. In warm or dry areas, insulation can be limited to just the area between the floor joists. However, in subfreezing temperatures, insulating the walls and sealing off the crawl space is most effective. A professional can evaluate the state of your crawl space, make a recommendation, and handle the insulation process.

Problem: Pests

Rodents and insects can be a problem anywhere in your home, and a crawl space is no exception. Crawl spaces can easily become a dwelling for pests if they are not properly maintained. Since most homeowners do not spend much time in their crawl space, it may be harder to determine if there is a pest problem. Pests such as mice, rats, termites, carpenter ants, spiders and more have the ability to damage insulation, crawl through vapor barriers, dig into wood, and even tunnel into your main living spaces.

Solution: Pest Control

Proper crawl space maintenance, including encapsulation, can keep your property safe from pests. When all entrances and exits are sealed, the possibility of rodents and insects gaining entry to your home is almost impossible. If you do see signs of pests, partnering with an exterminator can treat problems at the source.

Crawl Space Inspection Checklist

A crawl space inspection is typically included in a standard home inspection when buying or selling a house. This is an area where issues tend to arise and can throw a wrench in the home sale. Both home sellers and buyers should be aware of the state of the crawl space in order to mitigate any potential problems prior to the sale. Here are the red flags that professionals look for during a crawl space inspection:

  • Electrical wiring issues
  • Plumbing issues
  • Moisture (standing water, damp insulation, or warped building materials)
  • Pests (Bugs, termites, rats, mice)
  • Mold and mildew
  • Ventilation issues
  • Cracks in the foundation

As a seller, you may want to have your crawl space inspected prior to listing it on the housing market. That way you are aware of any issues and can have them fixed before the sale, or adjust the sale price accordingly

As a homeowner, maintaining your crawl space is critical to the health and longevity of your home. That means doing an annual inspection and attending to problems as they arise, as well as taking preventative measures to keep your house healthy. If crawling under your home doesn’t seem like fun, you can always partner with the pros and hire someone to ensure your crawl space is in good hands. With these tips and fixes, you can be sure the foundational part of your home is properly maintained for years to come.

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Finance Lifestyle

Retirement 101: Can I Actually Retire at 65?

Since the mid-1980s, the average retirement age has been rising. With younger generations facing a student loan crisis and the future of social security in question, there’s no reason to expect that trend to slow down any time soon.

So is retiring at 65 still a reasonable goal for most people? That depends on your life circumstances, your age, and your willingness to sacrifice right now in order to reap the rewards when you get to retirement age. Here’s what you need to know.

What Affects Your Ability to Retire?

There are several factors that can delay your retirement timeline. These include:


Chris Chen, CFP at Insight Financial Strategists said divorce is a huge factor that can decimate retirement portfolios – even with investors who thought they were on the right track.

“There is an epidemic in gray divorce in this country,” he said.

When you get divorced, your bills suddenly increase. If you have an acrimonious divorce, you may owe thousands or tens of thousands of dollars to lawyers. Divorce could be even more cost-prohibitive if children are involved.

Not Enough Income

Consumers who work in low-income jobs or live in expensive cities may find it difficult to save for retirement. Yes, saving $100 a month is better than nothing, but it likely won’t be enough to retire at 65.

Negotiating your salary regularly and starting a side hustle can help close the gap between how much you can save now and how much you should save every month. Keeping a budget and decreasing your monthly expenses will also help.

Health Issues

Every year, millions of people retire unexpectedly because of health issues. If you retire before the age of 65 because of health problems and don’t qualify for disability, you’ll have to pay for health insurance out-of-pocket.

If you already have chronic health problems, you may want to save more for retirement in case you’re forced to retire early.


Silvia Manent, CFP® of Manent Capital said many parents prioritize saving for their child’s college education instead of saving for their own retirement.

“It’s important for parents to realize that you can’t take a loan for retirement, but you can take out a loan for education,” she said. “This is the first thing I always tell my clients.”

It may feel selfish to save for your retirement, especially when our society constantly reminds us that good parents put their children ahead of themselves. That may be true, but sabotaging your own financial future won’t help your children – especially if it means they’ll have to support you financially in old age.

Starting Too Late

One of the biggest mistakes is waiting too long to start saving for retirement. If you start at age 25, you’ll have to save $400 a month to reach an $801,680.19 nest egg.

If you wait until 35, you’ll need to save $794 – or almost double – to end up with the same amount. Those who wait until age 40 will need to stash a whopping $1,151 a month. That reflects the power of compound interest – it’s easier to save for retirement when you start young and save consistently over time.

It’s almost impossible for the average middle-class person to save that much every month, which means someone in this position will likely be forced to work well past the average retirement age.

How to Retire at 65

While there are more than a few obstacles to retiring at 65, there are some key strategies that can help you reach that goal. Here are the most important.

Start Saving Now

No matter how old you are, start contributing to a retirement account now. The sooner you begin, the more likely it is that you’ll reach your goal.

Every year, try to increase your contributions by 1%. If you get a raise, sock away half of that toward your retirement. When you receive a windfall like a tax refund or bonus, add most or some of it toward your retirement account. A general rule of thumb is to save between 10-15% of your salary for retirement.

If you have access to an employer-sponsored retirement account, see if they match contributions. This is free money that should always be taken advantage of.

Invest Wisely

A common mistake that many investors make is saving money every month toward retirement, but not utilizing their retirement account correctly.

“We have seen people who assume that their 401(k) account or IRA is being invested appropriately for their time horizon and risk tolerance, but sometimes people will find themselves simply sitting on a pile of cash that never had the chance to grow tax-deferred,” said financial planner Elliot J. Pepper, CFP® at Northbrook Financial.

If you’re having trouble getting started, consult a fee-only financial planner. They can advise which investments are appropriate and how much to save every month.

A key to retiring at 65 is to invest consistently and avoid reacting emotionally to market swings. No matter what happens economically, the most successful investors are the ones who don’t withdraw money from their retirement accounts when the market dips.

You’re likely better off choosing index funds instead of individual stocks. Yes, it’s tempting to try to pick the next Tesla or Apple stock, but you’ll almost certainly have more success investing with an index fund.

Plan for Healthcare

Many investors incorrectly assume that their healthcare costs will be negligible in retirement. But Medicare isn’t free, and the average 65-year-old will still pay hundreds of dollars a month in premiums. That doesn’t include out-of-pocket expenses for prescriptions, lab work, and hearing aids.

You can plan ahead for these expenses by saving in a Health Savings Account (HSA). Money in an HSA is tax-deductible and tax-free when used for qualified medical expenses.

Be Patient

It’s still worth investing in a retirement account, even if retiring at 65 is a pipe dream. You’ll still want to retire at some point, even if it’s closer to 75 than 65.

If you can’t quit working entirely at 65, you may still be able to switch to part-time work or freelance consulting. Alternatively, you might be able to take a paycut and work full-time at a job with less stress.

The post Retirement 101: Can I Actually Retire at 65? appeared first on MintLife Blog.

Housing Market Updates

What Hurts a Home Appraisal? And 7 Things You Can Do to Fix Them

The current housing market has many people considering buying or selling a home right now. Maybe you’ve checked to see how much you can afford, and you believe now might be a good time to list your house and upsize to a new one. Or maybe like so many others, your home is already under contract, and it’s time for an appraisal. Whichever the case, being aware of what hurts a home appraisal and how to increase the value of your home is always a great idea. 

There are many things you can do to ensure your home is worth top dollar. When you’re deciding which improvements to implement, remember some improvements are more costly than others, and all should be weighed against the amount of value you’ll receive in return.

To get started, look for any areas of your home that could be improved. The home appraiser will be at your home for about 30 to 60 minutes, so your goal is to make their job easy by shining the brightest light possible on your home’s finest features. You’ll especially want to focus on areas that can hurt your home appraisal, which we have listed 7 of the most common ones below and how to fix them.

Curb appeal is one of the biggest factors to consider when discussing what hurts a home appraisal.

1) Poor curb appeal

How to Fix It: Trim up bushes and trees so they are tidy and neat. Add annuals or perennials for a pop of color and interest in what can otherwise be a sea of green grass.

Having a fresh coat of paint applied to the exterior of your home, your front door and shutters painted in a complementary color, and adding flower boxes to match your new landscape will all set the right tone for your home’s appraisal.

Garage doors often comprise a good portion of the front of a house, and updating your garage doors with new ones is almost always a sure bet to increase value.  

Don’t forget to stage the front porch with a couple of casual chairs and a colorful throw pillow to match the flowers in the yard. 

2) Your home’s interior needs a lot of attention

How to Fix It: The first step toward having a showcase home is to thoroughly declutter and clean every room and closet. Because your goal is to show off your home’s best attributes, be sure to pack away personal items that can be distracting, like family photos and mementos. Hiring a professional organizer or declutterer can make this task a lot less daunting and make the project much quicker and easier.

You touched up the exterior paint, don’t forget that painting the interior is one of the easiest and least expensive improvements you can make. Neutral colors will appeal to more homebuyers and those same colors will help brighten any room.

What about your blinds and drapes? Are they dark or dated? You may want to invest in some new curtains that are trendy and colorful to bring a more modern look to your space. Are any of the slats in your blinds broken or dirty? Replace those that are damaged and clean any that need it.  

Mirrors add depth and interest to any living space, indoors or out, and they help redirect sunlight throughout your home. To create a sense of space and openness, consider adding a mirror at the end of a hallway, or on a large living room wall.

Does your home have any “hidden” features? Features that might otherwise go unnoticed, such as space above the kitchen and dining room that could be updated for added storage could also add value to your home. Make sure they are accessible and that the appraiser is aware of them. 

3) Your kitchen and bathrooms are outdated 

How to Fix It: Kitchens and bathrooms are oftentimes what hurts a home appraisal but are also great places where value can be added to a home. In the kitchen, you can freshen things up by refacing cabinets and replacing outdated pulls, light fixtures, and countertops. Swapping out old appliances for energy-efficient appliances and updating your sink and faucet with a more modern one could be just what your kitchen needs. You can even install recessed lighting under the cabinets which is not only functional but gives the kitchen a finished look. 

In your bathrooms, cabinets can be updated with paint. If you have a builder’s grade mirror, give it a new look by adding a wooden frame around it. The frame can also be painted to match the cabinets. Install a new faucet and light fixture and include a bright shower curtain to add a splash of color.

If you don't want your kitchen to be what hurts a home appraisal add a bit of color

4) Your bedrooms and laundry room are dark and small

How to Fix It: Bedrooms will look cleaner and brighter with clutter removed and a fresh coat of paint. Replace any curtains that are too dark and add a closet organization system to your bedroom closets to make the most of the space available. To open up small bedrooms, you can strategically place an appropriately sized mirror in a corner or forgo a headboard on the bed. Instead, hang two complementary pictures above the bed where the headboard would typically be.

Survey your laundry room. Because these rooms are often smaller than other rooms in the house, walls painted a bright, snow-white help add a sense of openness and airiness. Adding storage bins or shelves if there are none will help reduce the clutter, make the space more organized, and keep laundry detergents and fabric softeners out of sight.

5) Your basement is unfinished

How to Fix It: Too often basements are unfinished spaces used only for storage. To increase the value of your home, store items elsewhere, and turn the basement into usable living space which will add to your home’s total square footage. By adding walls, an acoustic drop tile ceiling, and flooring you’ve got the beginnings of a second living room, children’s play area, exercise area, or even a media room. You can also customize the space to fit your current needs. Adding square footage and livable space to your home is one of the easiest ways for increasing your home’s value.

6) You home systems need replacing

How to Fix It: Big-ticket items can be costly to update, but they often have a good return on investment. Examples of big-ticket items are replacing the roof, installing a new HVAC system, updating windows with new energy-efficient ones, and installing or replacing exterior siding, which eliminates the need to scrape and paint every few years.

If your home needs to have the electrical system updated, it would be beneficial to make the change before listing the house, since an inspection would likely point out the need for it, and you could delay, or worse, lose a sale as a result.

The same goes for any plumbing issues you may have been experiencing recently. If you’ve noticed a leak, make sure it’s repaired, and that stains are appropriately cleaned and concealed.

7) Your home has no outdoor living space

How to Fix It: Patios and decks create additional gathering spaces for grilling, relaxing, or entertaining. If you have a patio or deck that’s cracked or uneven, consider hiring a professional to replace or repair your outdoor living space.

Not having a large outdoor space can surely be what hurts a home appraisal

Value can also be added to your home by installing a deck if you don’t already have one. Maybe your deck is in good shape structurally but doesn’t look as good as it once did. In that case, consider refinishing it using either paint or stain. Both help to extend the life of the wood and look beautiful once the job is done. 

You want the appraisal process to go smoothly and provide the most value for your house. As you can see, making a few improvements here and there can go a long way toward adding value to your home.  

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Housing Market Updates

7 Home Upgrades to Transform Your Space Without Remodeling

Home upgrades are always a great way to give your home a fresh new look and feel. They can introduce new functionality, make your home look newer, and improve your quality of life. While major remodeling can sometimes be expensive and time-consuming, making smaller upgrades can be much more cost-efficient. Consider these 8 home upgrades that can help breathe new life into your home.

1. Update your lighting

Replacing your existing lighting for something newer can make a huge difference in your home. They can reduce your electric bill, make your space look better, and potentially reduce heat-related risks that are common with old-fashioned light bulbs. 

LED lights

Replacing generic light bulbs with LED lights can improve the feeling and appearance of your home, inside and out. Switching from an incandescent to a high-quality LED light bulb will create a noticeable difference in your home lighting. This enhanced ambient lighting can give your home a more polished appearance instantly. Additionally, LED bulbs are more energy efficient and last longer than regular bulbs. 

Recessed fixtures

Recessed lighting is an excellent home upgrade that can improve the look of a room in many ways, and can also make your space more efficient and functional. Recessed lighting fixtures in your ceiling will help provide soft, uniform lighting throughout any room. These fixtures can also be outfitted with a dimming feature, giving you even more control over the indoor lighting levels.

2. Replace or refinish flooring

Years of use can fill your beautiful hardwood floors with dents, scratches, and other signs of wear. Restoring your flooring to its former glory can help improve the look of your interior. There are two options you can take when updating your flooring, one is to completely replace your hardwoods, and the other is to have them refinished. While replacing your floors can be more expensive, it offers an unbeatable look and greater longevity. 

If you choose to go the route of refinishing, you’ll save some money and still have your floors looking great. A good refinishing job followed up by routine maintenance can provide you with a beautiful floor for years to come. If you are thinking about replacing or finishing your floors, call in a professional to help with the project so you can avoid any DIY flooring mistakes

3. Add new cabinetry 

New cabinets are an excellent home upgrade whether you live in a condo in Miami or a mansion in Atlanta. If your existing cabinets are dated or don’t quite match the design of your home, this is the perfect opportunity to have new ones installed, or your old ones refaced. Updating your cabinets is a great way to spruce up your kitchen or give it a whole new look. 

If you intend to sell your home in the future, new cabinets can also increase your home value. Since the kitchen is one of the most important rooms in your home, it can make an especially great impression on prospective buyers.

4. Apply new paint 

A fresh coat of paint is one of the easiest ways to upgrade your home. Whether you have a new design idea, or you simply want to make a room shine like it used to, new paint is the way to go. Opt for neutral colors on walls, trim, and baseboards. Colors such as light grey, cream, and other soft neutrals are ideal. If you have children and their rooms are all shades of bright green, blue, and pink consider painting those to match the rest of your home. Having this neutral base will make your home easy to design and give it that updated sophisticated look. Consider hiring a professional to help with this project. Painting can be difficult and hiring a professional will ensure it looks great when it’s finished.

5. Upgrade your bathroom with mini-renovations 

There are countless affordable bathroom renovation ideas that can make your bathroom feel new. While a major remodel can cost tens of thousands, small renovations to your bathroom can make all of the difference without the added costs. Simple bathroom upgrades such as replacing your flooring or tile, installing a new faucet, painting, purchasing a new bathroom vanity, or refreshing bathroom cabinets with new hardware can give your bathroom a completely upgraded look. 

6. Organize and clean

Home organization is a great way to make your living areas less cluttered and open up your space. After you’ve been living in your home for an extended period of time, your belongings will begin to add up and overtake areas they shouldn’t be. Go room by room and get rid of things you no longer use and add organizational storage to give those items you do use a proper home. Hiring a professional organizer or declutter can make this process much easier and more efficient. 

An old-fashioned deep cleaning is also one of the best home upgrades you can make. It’s ideal to have your home deep cleaned by a professional at least once a month, but if you haven’t had your home deep cleaned in a while it’s a must. Dirt, stains, and dust aren’t just eyesores, after all. Dust buildup can become noticeable to the point it reduces air quality in your home. Having all surfaces wiped down, getting underneath the couch, around the frames, and making your home shine is worthwhile – your home will look better and you’ll feel better living in it.

7. Replace outdated window treatments 

If your window treatments are outdated, dirty, or old, consider replacing them as an easy home upgrade. Window treatments play an important role in the design of a room by adding softness to the hard edges of the room, managing light control, and much more. Window treatments can hide many problems a room may have, or emphasize the focal points. They can also block out an unattractive view or make up for a lack of privacy. There are so many stylish options when it comes to window treatments, find what works best for your space. 

Completing upgrades on your home every few years is great for keeping your home’s resale value high, as well as keeping your home looking its best. These upgrades can be simple and inexpensive and make all the difference in the look and feel of your home. 

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