5 Money-Saving Storage Solutions
to Help Make Your Home Happier
Your home is the heart of your family’s happiness and well-being. As a homemaker, you know
how important it is to help your family feel comfortable inside your home, but did you know
that clutter can be a source of stress for you and your family? Getting your home organized is a
simple way to bring peace to your family’s life, but what can you do when your house is small or
doesn’t have enough storage? With a little creativity and some easy savings, you can streamline
the space in your home without straining your budget.
Start with Your Entryway
The entrance to your home is the first thing people see when they walk through the door. It
greets your kids after school and your husband after a busy day at work. If your entryway is a
mess, it could be setting a tone that makes it harder for your family to relax and spend quality
time together after long, draining days. Perk up your entryway with some furniture that helps
keep it tidy, while making your mornings easier too. Walmart, for example, has benches, tables,
and cabinets that can help wrangle shoes, scarves, keys, and coats as your family walks in and
out of your home.
Streamline Your Kitchen
Not having enough cabinets in your kitchen can make preparing meals for your family a bit of a
struggle. However, even without a lot of storage space, you can keep dishes, food, and pans
organized with stylish storage solutions from stores like Bed Bath & Beyond. You can save
money by using Bed Bath & Beyond promo codes and coupons. Kitchen carts make for mobile
and efficient storage in small homes, and you can use them in so many ways. Be sure to grab
some jars and canisters too, to help food stay fresh and make meal prep less of a hassle.
Create Space Under Furniture
If you’re a bit handy, you can easily make some space under furniture. Start by heading over to
your favorite home improvement store to pick up some basic supplies. Big retailers like Ace
Hardware frequently offer online coupons. Once you’ve added some legs to your furniture, you
can slide baskets, bins, and other storage options right underneath, making the most of your
Build Storage Into Your Walls
Now that you’ve got out your tools, don’t stop with adding room under furniture. Built-in
shelves and cabinets are a beautiful way to add some storage and unique style to the rooms in
your home. If you are fairly skilled with tools and carpentry this is a job you can easily DIY, to
save some money. Once you have your shelves built, use online discounts from stores like
Hobby Lobby to add some bits of decor. You can fill built-in cabinets and shelves with books,
movies, or even electronics to organize and improve your home.
Get Your Garage Organized
If you’re like most American families, your garage is stacked with an endless amount of
Christmas decorations, tools, and sports equipment. You can tackle that mess by picking up
some plastic containers, boxes, and shelves from The Container Store and then getting to work
turning your messy garage into an organized dream. Before you shop, be sure to look for ways
you can save money. There are tons of discount codes and coupons online to help put more
money back into your bank account.
By utilizing online savings, cashback offers, and promo codes, it’s easy to add the storage your
home needs without sacrificing your hard-earned savings. Get your home organized so your
family can enjoy more quality time together in it.
Photo Credit: Pexels
Bond yields – The 10-year Treasury bond closed the week at 2.15%, almost unchanged from 2.16% last week. The 30-year treasury yield ended the week at 2.71% down from 2.78% last week. Mortgage rates follow treasury bond yields so we watch bond yields carefully.
Stocks close the week with big gains – Minutes from the Federal Reserve’s September meeting released this week made investors feel that the Fed’s first rate rise since 2006 will not happen this year. The notes revealed that The Fed is worried about unusually low inflation, spill over from slowing in China, and unusually low wage growth. They also said that the economy was still growing. The September jobs report showed job growth around 140,000 jobs a month for the last 2 months, after averaging 212,000 new jobs monthly for the first 7 months of the year. That slowdown also caused investors to expect that The Fed will not raise rates in the next couple of months as previously expected. Higher interest rates mean higher borrowing costs which cut into corporate profits, so continued low rates were seen as positive by investors. Oil prices also rose this week on fears of Russia’s involvement in Syria. Low oil prices have hurt the energy sector, so energy stocks rose on higher oil prices. The dollar which has been strong this year and has caused U.S. goods to be more expensive overseas and overseas goods to be less expensive here in the U.S. also weakened this week. This was helpful as exports have suffered as a result of the strong dollar and slowing economies overseas. The Dow Jones Industrial Average closed the week at 17,084.49, up from last week’s close of 16,472.37. The S&P 500 closed the week at 2,014.89, up from last Friday’s close of 1,951.36. The NASDAQ closed the week at 4,830.47, up from last week’s close of 4,707.78.
Treasury bonds rise from last week’s lows – The 10 year Treasury bond yield closed week at 2.12%, up from 1.99% last Friday. The 30 year treasury bond yield closed Friday at 2.94%, up from last week’s close of 2.82%. Bond yields follow stocks as money moves. Often when investors sell stocks on fears in the stock market they buy bonds which are safe but offer a low return. This week they bought stocks and sold bonds which drove bond yields higher.
Mortgage rates rise from last week’s lows of the year – The 30 year fixed rates are around 3..875% for loans up to $417,000, and around 4.00% for loans over $417,000. The 15 year fixed rate loans are about 3.20% for loans up to $417,000, higher loan amounts have rates that are around 3.375%. 5-Year-ARM and 3–Year ARM rates are both around 3.00%.
September sales data will be released later in the month. It will be interesting to see how prices and sales numbers are holding up. Stay tuned!
Have a great weekend!
Stocks rally on Friday to end the week just slightly down – The stock markets have been volatile for the last six weeks mostly due to worries about the effects from slowing growth in China, European weakness, and and uncertainty about the outlook for interest rates. Early in the week markets dropped as more data came in showing China’s economy has continued to slow. One report Wednesday showed that their manufacturing had slowed to the lowest level in 6 years, during the peak of the financial crisis. However; stocks made up much of their loses on Friday after the Commerce Department reported that 2nd quarter GDP had been revised upward, consumer spending was revised upward, and Fed Chairperson Janet Yellen gave a more optimistic view of the economy. Her assessment included that The Fed does still intent to raise rates this year. Uncertainty over rates, and The Fed’s decision last week to leave rates at near zero levels, made experts fear that The Fed felt the economy was weaker than experts believe. Janet Yellen’s speech at the University of Massachusetts yesterday seemed to put investors’ minds at ease when she reiterated that growth was strong and that a rate increase was coming. US airlines also reported that profits were up 53% in the second quarter mostly due to lower fuel prices and steady travel demand. It is the best year for the airlines since 2007. The Dow Jones Industrial Average closed the week at 16,314.67, almost unchanged from last week’s close of 16,384.79. The S&P 500 closed the week at 1,931.34, down slightly from last Friday’s close of 1,958.03. The NASDAQ closed the week at 4,686.50, down from last week’s close of 4,827.23.
Mortgage rates just under 4% – The 30 year fixed rates ended the week around 3.875% for loans up to $417,000, and around 4.00% for loans over $417,000. The 15 year fixed rate loans are about 3.25% for loans up to $417,000, and around 3.375% for loans over $417,000. The 5 Year-ARM rate is around 3.00% and 1 Year-ARM mortgages are about 2.50%.
Primary Mortgage Market Survey®
Freddie Mac surveys lenders each week on the rates, fees and points for the most popular mortgage products.
|September 24, 2015||30-Yr FRM||15-Yr FRM||5/1-Yr ARM|
|Average Rate||3.86 %||3.08 %||2.91 %|
Next Rate Update on October 1, 2015
Freddie Mac Multi-Indicator Market Index®
MiMi measures the stability of local housing activity by combining current local market data with Freddie Mac data for all states, the top 100 metros, and the nation.
Treasury Bond yields slightly lower this week – The 10 year Treasury bond yield closed week at 2.17%, up slightly from 2.13% last Friday. The 30 year treasury bond yield closed Friday at 2.96%, almost unchanged from last week’s close of 2.93%. Mortgage rates follow bond yields so these are closely watched.
Consumer confidence reading the edges up in September- The University of Michigan final reading on consumer sentiment for September moved higher.It ended the month at a reading of 87.2 from an initial reading of 85.7 at the beginning of the month. The average reading since its inception has been 85.3. The average reading during the 5 recessions since its inception has been 69.3. During non-recessionary years the average reading has been 87.5, which is right about where we are. Consumer sentiment is important because consumer confidence is so closely tied to consumer spending which accounts for nearly a third of the economy.
Second quarter GDP revised upward – The Commerce Department said Fridaythat the second quarter gross domestic product showed a growth rate of 3.9%. This was higher than their initial estimate of 3.7%. The Commerce Department also said Friday that consumer spending rose 3.6% during the quarter up from an initial estimate of 3.1%.
Pending home sales decline in August, but numbers are still above last year’s levels – The California Association of Realtors reported that pending home sales fall 8.7% in August from July. While monthly pending home sales were down, year over year pending home sales in August were still up 12.8% from August 2014. It was the 10th straight month of year over year increases in the number of pending sales, and the 7th straight month of double-digit year-to-year gains.