If you are thinking about refinancing your mortgage, then you know that this is a great way to save money on your monthly payment, shorten the term of your loan, or tap into the equity of your home for a home improvement project. At the same time, refinancing is like taking out a new home loan. For this reason, you need to know what to expect. There are a few tips that you should follow to make it easier for you to refinance successfully.

Decorating my home for each season is one of my favorite things to get me into the spirit of the upcoming seasonal activities. Fall, in particular, is one of my favorite seasons to decorate for because it gives such warm and cozy vibes. 
However, incorporating new seasonal styles and décor pieces into your home at each season change can be expensive. And, of course, with styles changing all the time, last year's trends are rarely still in style, making you feel like you have to go out and buy more to keep up.
This year, I decided to try decorating my home for fall with easy-to-find items from local thrift stores. In doing so, I found great pieces that can be reused each year and for multiple seasons, depending on how I style and mix and match them. Below are some of the items that I was on the hunt for:

The start of the new school year can be exciting for kids. They get a new teacher, start seeing their friends again daily, and get all new clothes and supplies. However, beginning a new school year is also a big change and may require a bit of an adjustment period.

There is no better time of year to live at the beach than the summer. I love spending time outside by the ocean or the river and soaking up the UV rays, with sunscreen, of course. 

I love living in the south; life is slow, and the people are friendly, but boy, IT IS HOT. It's almost impossible to beat the heat without blasting the a/c unless you catch a breezy day at the beach (my personal favorite way). But having the a/c blasting from May to October can get pretty pricey. Check out the BALANCE blog below for Ways to Reduce Summer Cooling Costs.