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Streamline your wardrobe, and help others at the same time.
I recently had a closet collapse. I came home from a day at the office to find heaps of what had been neatly hung, color-coordinated clothes in one giant, messy mound on the floor. Worse than picking up the pieces of chipped drywall? Admitting that maybe it was time to get rid of that favorite shirt of mine — from college. In the ’90s.
So I sought the help of style expert Darcy Camden to find out what she tells her clients. Camden has been cleaning out closets and styling men and women for more than a decade (read: she spends a TON of time in strangers’ homes). The busy fashionista (she’s a mother, too) insists there are easy ways to declutter that tangle of t-shirts or pile of old papers. And you can do it in as little as an hour.
A little goes a long way
Purge a little at a time, says Camden, who has helped more than 900 clients in her career.
“Most of my clients think that purging a closet is a huge all-day endeavor, but it often makes more sense to do a little at a time,” she says. “I encourage everyone to keep a Goodwill donation bag in their closet or bedroom, and add to it here and there as you discover items that don’t fit or have gotten worn out.”
If it doesn’t fit, you can’t wear it
“It rarely makes sense to keep something that physically doesn’t fit you — even if you love it,” Camden says. Put it in a pile to donate, and imagine how much joy the next person will get from that item.
New season = new chances
When the weather warms up or cools down, it’s a great opportunity to think about what you’ve worn — and what you haven’t. “If you didn’t wear it last winter, you probably won’t wear it next winter,” Camden says.
Use the “plus one, minus one” method
Fab new pants? Great! But only put them in the closet after removing a pair that’s collecting dust.
“I tell my clients to subtract one old item for every new item you purchase,” Camden recommends. “If you spend an afternoon shopping and come home with five new things, spend some time reviewing your closet. Remove five older things you’re no longer wearing.”
Finally, donate!
Think of how much you can keep out of the landfill by gifting your giveaways to a good cause.
“I’m constantly amazed that my clients are worried their castaways aren’t good enough for Goodwill,” Camden says. “Will they really want this stained old t-shirt? Or this single sock? Yes!”
“Working closely with Seattle Goodwill over the years has given me tons of insight into what happens to donations,” she continues. “Your smelly socks and stained clothing provide jobs and can be recycled or reused. Never throw away clothing to a landfill.”
Last year, Seattle Goodwill kept more than 53 million pounds of useful goods out of landfills. In addition to helping the planet, those donations also help fund job training and educational programs, adds Seattle Goodwill’s Katherine Boury.
Happy cleaning!
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New year, new home? Whip your financial resume into shape to improve your home-buying odds.
Thinking of buying a home this year? We compiled five New Year’s resolutions that can help you keep your financial resume in tiptop shape.
1. Avoid job hopping
Employment history and income are two of the biggest factors lenders look at when evaluating a mortgage application. A new job may be a good career move, but if you plan to buy a home in the new year, know that job hopping can be a red flag to some underwriters — especially if you’re moving to a different industry.
A steady job history and few or no gaps in employment over the past two years are ideal, as it helps lenders more easily forecast your future income.
If you do get a new job while home shopping, let your lender know as soon as possible. It doesn’t mean you won’t qualify for a mortgage — just be prepared to show extra documentation.
If you’re moving from a commissioned or hourly job to one that’s salaried with equal or more compensation, it may help your application. Lenders often prefer borrowers to have steady, predictable paychecks.
2. Limit monthly subscription services
Monthly subscription services are certainly convenient, but they can add up. Even if you pay off your credit card every month, you could be dinged for high credit utilization if your credit report is pulled midcycle.
If you’re thinking of buying a home this year, consider keeping your monthly subscription services to a minimum.
3. Build a solid credit history
One of the first things a lender will look at is your credit history. Lenders prefer borrowers who have a history of paying off credits cards and other debts on time — because it signals that you’re a responsible borrower and less of a risk.
If you don’t have credit, securing a home loan may be significantly more challenging and time-consuming, but not impossible. Records of paying rent and utilities on time, as well as student loan debt or cell phone bills, can help show a potential lender that you have a history of managing monthly payments.
4. Check your credit
Your credit score can have a significant impact on your ability to buy a home. A low credit score can negatively affect how much money a lender is willing to loan you, as well as your interest rate.
Just a few percentage point differences in an interest rate can cost you thousands over the life of a loan. Monitor your credit closely, especially for fraudulent activity, to prevent any surprises that could delay the loan application process.
If you’re unsure of your credit score, many financial websites offer credit score monitoring, or you can get a full credit report once a year.
5. Avoid large purchases
Avoid taking on large amounts of debt — whether it’s buying a car or planning a large vacation — before buying a house. This is advisable even if you’re already preapproved.
Your debt-to-income ratio, or how much money you make compared to how much debt you have, can significantly affect how much money a lender is willing to give you. Keeping debts to a minimum can help make the home-buying process go a lot more smoothly.
Just like proofreading your resume before you apply for a job, cleaning up your financial resume can help improve your chances of buying a home.
Take advantage of online tools and resources, like our affordability calculator, which can help you determine how much home you can afford. Our mortgage calculator can also provide custom down payment estimates based on home price and interest rates. And as you search for your future home, check out our extensive lender and agent reviews, which can help you find the best real estate partners for your needs.
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Easy handmade decor and trimmings set the scene for a festive holiday get-together.
Holiday entertaining is all about one-of-a-kind decor, and we’ve got some show-stopping looks that you can make yourself. You don’t have to be an expert crafter to accomplish these easy DIY projects. Creating a custom hanging herb chandelier and dessert takeaways will really impress your guests at this year’s seasonal get-together.
Create a rustic vibe by wrapping the dining table in brown kraft paper. Arrange leaves, loaves of bread and open bottles of wine along the center of this setup. Lovely butter knives atop neatly placed cloth napkins seal the deal.
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Serve tea or coffee with your homemade treat bags after the meal to brighten everyone’s day. Taking the little bit of time to make this thoughtful goody that your guests can break into right away or take home really makes visitors feel special. Taffy, cookies or a slice of pie are all great sweets to bag up for later.
Hanging Herb Chandelier Materials

3-foot cut of wood (or desired length, depending on your table)
Cup hooks
5-foot length of multi-purpose rope
Baker’s twine
Ribbon
Herbs/flowers

Stamped Paper Bag Takeaways Materials

Videography and photography by Mikal Marie Photography. 
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This is no time for major updates, so stick with simple tasks to make for a festive celebration.
Hosting a holiday gathering can be a lot of fun, but perhaps a bit intimidating, too. You want your house to look its best, but now isn’t the time to undertake any major updates.
Chances are, you’re busy enough get ready for the event. So, focus on just the areas of your house where your guests will spend time.
Whether you’re a first-time party host with a few jitters or an old pro looking for some new ideas, these tips will help you ensure that your home is ready for any gathering.
Light the way
The sun sets early this time of year, so it’s important to make sure the entrance to your home is clean and well-lit.
If you have a large front yard, focus on the entryway and the path leading up to it. Install porch lights or replace the bulbs if needed. Cut back any shrubbery that is obstructing the walkway.
On the day of your party, open the blinds on the front windows so your guests can see into your warm, festive-looking home as they approach. It’s a great way to create a sense of welcoming anticipation.
Pro tip: The easiest way to create instant lighting for walkways and paths is with the solar lights that you just stick into the ground. The sun does the rest of the work!
Take care of the bottom line
Our mothers used to say this, and it’s true: If your floors are spotless, they make your whole house look cleaner.
Even if you’re unable to do an in-depth house cleaning before your gathering, make sure your floors have been cleaned before that first guest steps over the threshold.
Pro tip: If you have carpeting, clean the carpets a minimum of three days ahead of your affair so they have time to dry fully.
Brighten up your bathroom
If you’re bothered by grimy-looking grout in your bathroom, try this easy, inexpensive, and non-toxic method to get rid of it nearly instantly: Just spray on some full-strength hydrogen peroxide, let it sit for 10 minutes, and then wipe clean. That’s it!
Next, add some flowers, holiday decorations or pictures on the wall to further spiff up your powder room, and it will be ready for your guests.
Pro tip: Get the buildup out of a slow-moving sink drain with a Zip-It. This inexpensive tool looks like a giant zip-tie. You just work it down into the drain to pull up hair clogs — all the other gunky stuff will come up with it.
Tune up kitchen appliances
Your kitchen appliances will be the workhorses of your holiday party, whether you’re hosting a big family dinner or a cocktail party. You want them to be fully functioning and ready for action.
Make sure all stove burners are working. Now’s the time to clean the oven if you haven’t done that for a while.
Clean out the refrigerator, and check to see that the fridge and freezer are running at their optimal temperatures.
Make sure your dishwasher is in good working order. You can clean it easily with a dishwasher cleaner that you run through a cycle.
Pro tip: Sharp knives will make easy work of preparing the big meal. Make sure all your kitchen knives are newly sharpened, and also check the batteries in your electric carving knife, if you have one.
Make your space kid-friendly
If you make your home welcoming for children, you’ll ensure their parents have a great time as well.
If you happen to have kids that are the same ages as your young guests, you’re in luck. But if not, think about adding some considerate touches that will make parents more comfortable and alleviate kid boredom.
Here are some ideas to get you started:

Turn a spare room or an upstairs bedroom into a private nursing/changing area for a new mom.
Toddlers and younger children will want to be near their parents, so a good idea for them is to set up a corner of your living or dining room with toys, books, a tablet for watching cartoons and some comfy pillows or throws.
One of our favorite strategies for older kids is to turn the dessert course into an activity. For instance, you could bake a huge batch of sugar cookies in holiday shapes, and then put out different colors of icing to let kids (and adults) go to town with decorating their own cookies.

Pro tip: If you don’t have children, or if yours are older, don’t forget to kid-proof your space. Put away anything expensive, breakable or unstable. Do some baby-proofing, if necessary. This way you and the parents can relax and not have to worry about safety hazards.
Want more DIY tips? Watch more of See Jane Drill’s home improvement videos. 
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Home buying hurdles exist — but research, creativity and flexibility will help you clear them.
Home buyers today face tough challenges — housing prices have soared, a dollar doesn’t go as far as it once did and rent is more expensive than the past.
How are people today making such a large purchase despite these hurdles? With more flexibility and a bit of financing creativity, today’s buyers are finding ways to achieve homeownership.
Know your options (and credit score)
The first step to knowing if you can afford a home is figuring out what financing options are available to you, including what mortgages you’re eligible for and how much you need (and can afford) to put down upfront.
Learning the minimum FICO score required by lenders and understanding your own credit score are important starting points.
Many home shoppers aren’t sure how much they have to put down on a home, what the lender-required minimum down payment will be (it’s not always 20%), or what programs are available to help with down payments, like FHA loans.
Before buyers even start thinking about saving for a home, they should know what their financial resources are and if they’re eligible to buy.
Make enough money to save
With fewer resources to pull from than their older, wealthier counterparts, renters wanting to buy face tough financial headwinds.
According to the Zillow Group Consumer Housing Trends Report 2019, renter households typically earn a median income of $37,500 annually, which is nearly $40,000 less than the median household income netted by households who recently bought a home (of whom the median household income is $75,000 annually).
While there are ways to enter into homeownership without making $75,000 in household income, it’s hard to afford to buy if you make significantly less. “If you’re making $37,500 per year, it’s probably not feasible for you to buy in almost any market,” says Zillow Chief Economist Dr. Svenja Gudell.
While households purchasing homes are more likely to have two incomes than renter households (and thus a higher median household income combined), even two-income households struggle to afford to buy in competitive markets.
Save enough cash (but not as much as you think)
One of the most daunting parts of home buying? The down payment. In fact, two-thirds of renters cite saving for a down payment as the biggest hurdle to buying a home, according to the Zillow Housing Aspirations Report.
For people buying the national median home valued at $229,000, with the traditional 20% down payment, that’s $45,800 upfront — just to move in.
“The down payment remains a hurdle for a lot of people,” says Gudell. “But they should know they don’t have to put 20% down.”
Although putting down less than 20% means additional considerations, such as the cost for private mortgage insurance (PMI), some find it worth the hassle. In fact, according to the Zillow Group Consumer Housing Trends Report 2019, only one-fifth of recent buyers (20%) put 20% down, and just over half of buyers (56%) put less than the traditional 20% down.
Buyers are also getting creative about piecing together a down payment from multiple sources. According to the report findings, 34% of buyers who get a mortgage also get help in the form of gifts or loans from friends and family to come up with a down payment. 
Know your deal breakers, but be flexible
To get into a home — even if it’s not the home of their dreams — some of today’s buyers are considering homes and locations outside of their initial wish list and getting increasingly flexible when it comes to neighborhood, house condition and even home type.
“I do think people get discouraged when they look in their target neighborhood and they see homes around $170,000 when they’re looking for a $110,000 home,” Gudell says.
Affordably priced homes do, in fact, exist. But in popular areas, where people most often want to live, it’s going to be harder to find that cheaper home, Gudell says.
“If you’re willing to take a longer commute and make a couple trade-offs, you might be able to find a home that is farther out that might be cheaper,” Gudell explains. “You have to leave the paved path before you can find cheaper choices.”
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