New nest
I'd love to help you find your "new nest" as well as share tips on updating it, decorating it, filling it with good food, etc.
Thursday, March 12, 2015
Spring & Summer in Utah: Awesome UT Bucket List
The weather is on its way to being warm for many months; the sun is staying out later, the outdoors is calling. Whether you're new to Utah, or have lived here for many years, like I have, there are always new places to see, things to do, and outings to go on. I want to use this site as my "Utah Bucket List" and see where this takes my family this year.
Check out this great article in 24 Salt Lake on attractions throughout Utah:
Water: lakes, waterfalls, skiing, boating
Mountains: hiking, flowers
Trails & Hiking
Nature: Uintas, Southern Utah: Zions, Cedar Breaks, etc
Adventure: Ropes courses, ziplines, indoor surfing, etc
http://www.24saltlake.com/utah-is-awesome/fun-things-to-do-spring-summer-utah/
Monday, February 2, 2015
Creative Culinary Blog
Couldn't help sharing this fabulous culinary blog--which always has outstanding meals, desserts, rolls (check latest entry on Garlic Cheesy Rolls) http://www.dealstomealsblog.com/2015/01/garlic-ranch-cheddar-rolls.html
These rolls are on my list this week!
These woman lists great case lot sales, post recipes, and will send you weekly recipes for meals as a paid subscription if you like. I like all the help I can get in the kitchen when it comes to meal prep. and recipes. Thanks, ladies!

The cute creator of the blog (and the chef) lives close by and her family have some true talent in the kitchen. I've been lucky enough to try some of their homemade syrup (I love breakfast foods!) and also some of their cookies and cupcakes. Delish!
These woman lists great case lot sales, post recipes, and will send you weekly recipes for meals as a paid subscription if you like. I like all the help I can get in the kitchen when it comes to meal prep. and recipes. Thanks, ladies!

Monday, January 5, 2015
The Secret to Getting Organized: Declutter!
One of my favorite blogs, The Inspired Room, shared this as we enter a new year:
Here’s the real secret to getting organized:
When we feel overwhelmed and think we need to get better organized, usually what we really need to do first is declutter.
The less we have, the easier it is to find what we need.
The less we have, the less time we will spend maintaining and cleaning things.
The less we have, the less money we will spend buying new things we don’t need that will end up cluttering up our closets and cabinets even more.
The less we have, the more we will enjoy what we do have.
The less we have, the less “organizing” we actually have to do.
So while it’s probably the least fun part of organizing and the most stressful, decluttering is really the most rewarding and important step of all. I have felt so much peace and a "lightness" after decluttering. It is also one of the BEST WAYS to prepare to sell your home! You will get more money and sell in quicker amount of time than a cluttered home, where corners, shelves and closet floors are jam-packed.
HOW TO DECLUTTER:
A Bag a Day Keeps the Clutter Away…How's that for a mantra?
1. Pick whatever clutter category (sample categories I plan to use are below) you are most inspired to work on first. You don’t have to follow the monthly format, choose whatever works best for you.
2. Each category also suggests an area of the house or room to focus on, but adapt it all to suit your home and needs.
3. Tackle each area/category by filling up at least one bag per area and donating it (or dispose of trash.)
4. Keep on going every day, each month, even into the next year, eliminating the excess, until your home is clutter free! Keep up the bag per day concept (even if your bag gets much smaller!) to keep any clutter from sneaking back in. :)
5. Just say NO to more clutter coming in. You will get better at saying no to clutter as you see the results of your hard work! Be firm about it so you can break the cycle of TOO MUCH STUFF.
Here are a few decluttering tips:
1. The important thing is identifying the clutter hot spots that you need to focus on with “gazelle intensity” (a good ol’ Dave Ramsey phrase) each month– and then make it a mission to get it done! Even if you only have a few minutes a day to declutter, it all adds up.
2. To reach your organizing goals, you’ll have to commit to consistency in decluttering. Make it your goal to get rid of as much as you can in each category, donating at least one bag of stuff at a time, can until there is NO clutter left like it. Then you can move on to the next category! Don’t worry about organizing it as you go, just get rid of stuff. Organizing can happen along the way if it makes sense, or save it for later, just try to stay focused on ridding your home of a bag of clutter a day.
3. Only keep what you actually use or need. Be ruthless and focused on the end goal, a clutter-free home and the peace that will come with knowing where everything is and having nothing in your home you don’t use or love!
4. Even if you think you *might* need something down the road, just let it go unless it’s precious to you. If it’s not precious, it’s not worth keeping for “just in case.” Only keep what you really love or actually use on a regular basis.
5. Remember, slow and steady wins the race. It might take you a year, or more, or less, depending on how far along you are in the decluttering journey already. But you will see progress!
This “Bag a Day” plan isn’t a declutter project that you start on New Years and work on for a few weeks and then quit, it is about developing the habit of finding joy in a clutter free home.
TWELVE MONTHS OF DECLUTTERING A BAG A DAY
JANUARY:
Clothes, bags, shoes, accessories {including seasonal items}, dressers, closets, nightstands, Master bedroom.
FEBRUARY:
Papers, files, calendars, office drawers, command centers. Home office.
MARCH:
Beauty products, medicine cabinets, bathroom cabinets. Bathroom.
APRIL:
Linens (towels, sheets, blankets) and cleaning supplies. Laundry room and linen closets and under sinks or anywhere you store cleaning supplies.
MAY:
Pots, pans, dishes, kitchen electronics, pantry items (spices, food, baking items), kitchen cabinets. Kitchen and Pantry.
JUNE:
Books, magazines, DVDs, electronic devices, games. Family rooms.
JULY:
Tools (yard tools, ladder, power tools, hardware, cleaning tools), project materials and supplies on garage shelves. Garage, tool bench and storage areas.
AUGUST:
Keepsakes (sentimental, photos, albums) and kids’ drawings and mementos. Closets and bookshelves, anywhere mementos are stored.
SEPTEMBER:
Other family members’ clothes and kids’ toys. Closets, bedrooms, playrooms, school supplies.
OCTOBER:
Hobby supplies (sewing, crafts, gift wraps, gift cards, etc.). Craft cabinets or closets.
NOVEMBER:
Decorative items {seasonal, decorative, furniture, extra items you don’t need}. Wherever you store excess. Garage, Basement.
DECEMBER:
Christmas and holiday items, entertaining supplies. Basements, cupboards, garages.
Happy Decluttering! Come back and share in the comments how things are going for you, or post updates on your blog so we can see! You can share the link to a post in the comments, too, if you want to share your own journey. Thank you to The Inspired Room for inspiring myself and many others to free up space, time and energy in our daily lives & in our homes!!
A bag a day keeps the clutter away!
Monday, December 8, 2014
New Loan limits for FHA / Current interest rates
FHA just announced the new loan limits for some of the counties in Utah starting 23 days hence. It represents an almost 8% increase in Utah County and a paltry 1.5% increase in Salt Lake County. The max loan amounts for Single Family Residences in the respective counties are $293,250 and $304,750 respectively.
That means buyers can purchase homes up to $303,886 in Utah County and $315,803 in Salt Lake County and still only come up with a 3.5% down payment.
Thirty year FHA loans are at 3.25% while Conventional 30 year loans are at 3.875%.
Fifteen year rates are still at 3.0% (APR will generally be higher, depending on the loan and down payment amounts, and amortization term--as closing costs and the presence of mortgage insurance affect each loan differently.)
Contact me if you need the name of a fantastic mortgage officer / lender. You can typically get pre-approved in 24 hours. This helps us find you the right home and present a solid offer to the seller, by sending over your pre-qualification letter.
Let's go see some houses!
Friday, December 5, 2014
Friday, November 21, 2014
Who doesn't love a feast?
I love looking for unique recipes for the usual holiday dishes. Love to try new sauces and herbs, which make all the difference! I found this blog this week--and it fits my two big loves: gourmet eating and healthy cooking, so I thought I'd share for any like-minded friends; or anyone who likes new recipes. I'm looking forward to trying many of these recipes in the coming week!
This chef has a slightly different take on Glazed Carrots and Green Bean Casserole, one that I love because it doesn't used any canned products; all frozen or fresh, with lots of little additions that create a savory, (and even healthy) dish! Here's the link to Katie's brilliant culinary website: Dashing Dish and this recipe:
Skinny Green Bean Casserole
If you're looking for other recipes, from turkey to dessert to beverages, check out her cooking blog.
Have a fabulous week celebrating life, bounty, loved ones and delicious food :)
This chef has a slightly different take on Glazed Carrots and Green Bean Casserole, one that I love because it doesn't used any canned products; all frozen or fresh, with lots of little additions that create a savory, (and even healthy) dish! Here's the link to Katie's brilliant culinary website: Dashing Dish and this recipe:
Skinny Green Bean Casserole
If you're looking for other recipes, from turkey to dessert to beverages, check out her cooking blog.
Have a fabulous week celebrating life, bounty, loved ones and delicious food :)
Monday, November 17, 2014
Owning a Home Can Pay Off at Tax Time
Don’t Miss These Home Tax Deductions
Sharing a great article by Dona DeZube that will explain how to use tax deductions (lawfully) as a homeowner.
Owning a home can pay off at tax time.
Take advantage of these homeownership-related tax deductions and strategies to lower your tax bill:
Mortgage Interest Deduction
One of the neatest deductions itemizing homeowners can take advantage of is the mortgage interest deduction,
which you claim on Schedule A.
To get the mortgage interest deduction, your mortgage must be secured by your
home — and your home can be a house, trailer, or boat, as long as you can sleep
in it, cook in it, and it has a toilet.
Interest you pay on a mortgage of up to $1 million — or $500,000 if you’re
married filing separately — is deductible when you use the loan to buy, build,
or improve your home.
If you take on another mortgage (including a second mortgage, home equity loan,
or home equity line of credit) to improve your home or to buy or build a second
home, that counts towards the $1 million limit.
If you use loans secured by your home for other things — like sending your kid to college — you can still deduct the interest on loans up $100,000 ($50,000 for married filing separately) because your home secures the loan.
Prepaid
Interest Deduction
Prepaid interest (or points) you paid when you took out your mortgage is
generally 100% deductible in the year you paid it along with other mortgage
interest.
If you refinance your mortgage and use that money for home improvements, any
points you pay are also deductible in the same year.
But if you refinance to get a better rate or shorten the length of your
mortgage, or to use the money for something other than home improvements, such
as college tuition, you’ll need to deduct the points over the life of your
mortgage. Say you refi into a 10-year mortgage and pay $3,000 in points. You
can deduct $300 per year for 10 years.
So what happens if you refi again down the road?
Example: Three years after your first refi, you refinance again. Using the $3,000 in points scenario above, you’ll have deducted $900 ($300 x 3 years) so far. That leaves $2,400, which you can deduct in full the year you complete your second refi. If you paid points for the new loan, the process starts again; you can deduct the points over the life of the loan.
Home mortgage interest and points are reported on Schedule A of IRS Form
1040.
Your lender will send you a Form 1098 that lists the points
you paid. If not, you should be able to find the amount listed on the HUD-1
settlement sheet you got when you closed the purchase of your home or your
refinance closing.
Property
Tax Deduction
You can deduct on Schedule A the real estate property
taxes you pay. If you have a mortgage with an escrow account, the amount of
real estate property taxes you paid shows up on your annual escrow statement.
If you bought a house this year, check your HUD-1 settlement statement to see
if you paid any property taxes when you closed the purchase of your house.
Those taxes are deductible on Schedule A, too.
Vacation
Home Tax Deductions
The rules on tax deductions for vacation homes are complicated. Do yourself a
favor and keep good records about how and when you use your vacation home.
·
If you’re the only one using your vacation home (you don’t rent it
out for more than 14 days a year), you deduct mortgage interest and real estate
taxes on Schedule A.
·
Rent your vacation home out for more than 14 days and use it
yourself fewer than 15 days (or 10% of total rental days, whichever is
greater), and it’s treated like a rental property. Your expenses are deducted
on Schedule
E.
·
Rent your home for part of the year and use it yourself for more
than the greater of 14 days or 10% of the days you rent it and you have to keep
track of income, expenses, and allocate them based on how often you used and
how often you rented the house.
Homebuyer Tax Credit
This isn’t a deduction, but it’s important to keep track of if you claimed it
in 2008.
There were federal first-time
homebuyer tax credits in 2008, 2009, and 2010.
If you claimed the homebuyer tax credit for a purchase made after April 8,
2008, and before Jan. 1, 2009, you must repay 1/15th of the credit over 15
years, with no interest.
The IRS has a
tool you can use to help figure out what you owe each year until it’s
paid off. Or if the home stops being your main home, you may need to add the
remaining unpaid credit amount to your income tax on your next tax return.
Generally, you don’t have to pay back the credit if you bought your home in
2009, 2010, or early 2011. The exception: You have to repay the
full credit amount if you sold your house or stopped using it as primary residence
within 36 months of the purchase date. Then you must repay it with your tax
return for the year the home stopped being your principal residence.
The repayment rules are less rigorous for uniformed service members, Foreign
Service workers, and intelligence community workers who got sent on extended
duty at least 50 miles from their principal residence.
Related: A Homeowner’s Guide to Taxes
This
article provides general information about tax laws and consequences, but
shouldn’t be relied upon as tax or legal advice applicable to particular
transactions or circumstances. Consult a tax professional for such advice; tax
laws may vary by jurisdiction
Read more: http://www.houselogic.com/home-advice/tax-deductions/home-tax-deductions/#ixzz3JNjQeB5L Follow us: @HouseLogic on Twitter | HouseLogic on Facebook
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