6 Ways to Make Your Bedroom Instantly Cozier for Cold Weather, According to Designers

 
 

Fall is here, which means pumpkin spice season, crisp walks, and perhaps a visit to the pumpkin patch. But, it’s also the perfect time to stay home, get cozy, and unwind with a good book or your favorite binge-watch. If your bedroom still feels like summer, though, the vibe can be, well…a little cold.

That’s why it’s the perfect time to give your home a seasonal refresh, according to designer Joshua Praught of Studio Joshua. “For me, design is about creating a sensory refuge—spaces that restore you and honor the rhythm of the seasons,” he says. “A well-designed home isn’t just about how it looks, but how it feels to live in it.”

The good news? Updating your bedroom for fall and winter is easier than you think. Here’s how to create a warm, inviting space that feels just right for the colder months ahead.

Swap Out Your Bedding

While some linens are great for the summer, they might not be ideal for the fall and winter. So, changing out your bedding seasonally is a great way to give your bedroom a little refresh. “Think about swapping out your white and cool-toned textiles for warm rust tones, plums, and camels,” suggests Lauren Grant of Lauren Grant Design. “Swap out linen and cotton fibers for soft textures like velvet, chenille, and wool.”

Bring in Some Fresh Layers

New sheets, comforters, and duvets can be expensive, so a whole set of new bedding might not be in your budget. But don’t fret—you just need to think creatively and add a layer or two onto what you already have. Even a fresh throw can make your bed look and feel brand new.

Praught likes adding a mohair throw for the colder seasons, but there are many options depending on how you want to feel. “Begin with how you want to feel in this season,” he says. “Maybe it’s grounded, inspired, romantic, or restful. Every change should support that emotion. I always start by editing—put away what feels too light or busy from summer—and then add a few meaningful layers back in.”

Another great way to add layers? A new throw pillow (or two). Keep in mind, you don’t even need to replace your pillows. It’s usually less expensive to get new covers. If you prefer a fall color scheme, go with chocolate browns and rust hues. If you’re ready to dive into winter, consider navy and hunter green.

Consider New Curtains

Do you use blackout curtains to block the summer light? With less light in the winter, you may want to mix things up. Sheer white curtains can be fairly inexpensive and complement most design styles. They’ll give you privacy while still letting light in.

If you prefer blackout curtains to help with sleep, or to block that bright streetlight shining through your window, try adding a second rod and layering sheer curtains underneath. Close the heavier ones before bed, then open them in the morning and leave the sheers drawn during the day to maintain the perfect balance of light and privacy. On the other hand, if you used lighter curtains during the summer, Praught advises installing something bold and textured, like velvet, for the chillier months instead.

Place a Storage Bench at the End of Your Bed

Buying new bedroom furniture can be pricey, but an accent like storage benches gives a designer’s touch while being relatively affordable, says Darrell Gardner, director of product development at CORT. “Consider an upholstered bench with hidden storage at the foot of the bed,” he suggests. “It’s functional, looks intentional, and saves you from the avalanche of sweaters in the closet.” Alternatively, a vintage trunk from a thrift store or estate sale can add a chic touch to your bedroom at a great price while offering a similar storage option for winter blankets.

Add a New Rug

There’s nothing that feels quite as nice underfoot as a new rug. Praught suggests a plush rug, but keep in mind that any style will do. Not sure where to start? Choose something that will complement your linens. (Don’t forget to add an extra-soft rug pad.)

Change Up Your Candles

A scent can instantly set the mood, especially in the fall and winter. While many people gravitate toward gourmand fragrances like pumpkin spice or ginger, bedroom candles don’t need to be quite so on the nose—literally. “Trade scents of floral and lavender with notes of earthy varieties of pine or notes of scents like cinnamon and vanilla,” Grant suggests.

Read more at Real Simple

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Why Your Home Equity Still Puts You Way Ahead

 
 

If you’ve seen headlines about home prices dropping, it’s easy to wonder what that means for the value of your home too. Here’s what you really need to know.

Even with small price declines in some markets, data shows you’re likely still way ahead. And that’s thanks to your home equity.

The Relationship Between Home Prices and Equity

Home equity moves in sync with home prices. When prices rise, equity builds. When prices cool (even just slightly), equity growth does too. Here’s how that’s played out lately.

After the record-setting home price surge of 2020 and 2021, a little cooling was inevitable.

Back then, the number of homes for sale hit a record low. That caused home values (and your equity) to shoot up significantly as buyers fought over limited inventory.

But prices couldn’t continue to rise at that intense pace forever. The market had to moderate at some point, and that’s exactly what we’re seeing right now.

As more homes have come on the market this year, price growth slowed – so, equity gains did too. And that doesn’t mean you’ve lost ground.

Putting it into Perspective

You probably still have far more equity than you did just a few years ago. And that puts you in a strong position if you want to sell. Here’s the data to prove it.

According to research from Zillow, home prices have risen a staggering 45% nationwide since March of 2020. That’s a big jump.

And in the majority of markets, prices are still rising, just at a much slower pace. But even in the metros where prices are experiencing the biggest declines (the ones making the headlines), the average drop is only about -4%.

So, what’s that really mean? In most places, prices are on the rise, so this isn’t even a concern. But in the few metros where prices are cooling off a bit, the 5-year gains more than offset those small dips.

In other words, these modest declines can’t erase years of growth. Homeowners who’ve been in their houses for several years are still way ahead. Big time. And that’s true pretty much everywhere.

Data from the Federal Housing Finance Agency (FHFA) helps paint this picture. Let’s cast a slightly wider net and look at a state-by-state level this time. Every single state has seen prices go up over the last 5 years. And that means homeowners in each state have much more equity than they did just 5 years ago.

Odds are, in most places, if you’ve owned your home for more than a few years, you’ve already built the kind of equity many people could only dream about before the pandemic. And if you sell, you can use it to help you downsize, or move up.

And just in case you’re worried prices will crash and your equity will take a bigger hit in the near future, here’s what Jake Krimmel, Senior Economist at Realtor.com, has to say:

“The slight recent declines in aggregate value and total home equity are not cause for concern . . . Although the market is coming into better balance, large price declines nationally are extremely unlikely in the near term . . .”

The price moderation we’ve seen lately isn’t a cause for concern. It’s a signal of a market that’s finding its balance again after several years of unsustainable price growth. And after several years of major price appreciation, most homeowners are still in an incredibly strong position.

Bottom Line

Even with prices coming down in some markets, today’s homeowners are still sitting on near record amounts of equity.

If you’re wondering how much equity you have (or how far ahead you really are), connect with a local agent.

You might be surprised by what your home is actually worth today.

Read more at Keeping Current Matters

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Will 6% mortgage rates create more opportunities for homebuyers?

 
 

Mortgage rates have been trending toward the low-6% range for several months, giving homebuyers some relief amid affordability challenges — but maybe less relief than they expected after the Federal Reserve cut interest rates last week.

Mortgage News Daily reported Monday that the 30-year fixed rate of 6.34% was the highest level in three weeks. That came on the heels of last week’s rate cut and comments by Fed Chair Jerome Powell that another rate cut in December was “not a foregone conclusion.”

On Tuesday, data at HousingWire’s Mortgage Rates Center, which tracks locked loan rates across all credit profiles, showed that rates for 30-year conforming loans averaged 6.27%, down 2 basis points from one week ago.

Rates for 30-year loans through the Federal Housing Administration (FHA) fell 3 bps during the week to an average of 6.10% on Tuesday, while 30-year jumbo loans rates were down 2 bps to 6.16%. Both figures represented year-to-date lows.

Phil Crescenzo Jr., Southeast division vice president for Nation One Mortgage Corp., said that stable rates near 6% are poised to unlock greater affordability for millions of U.S. households.

He pointed to data published over the summer by the National Association of Realtors (NAR), which showed that a 6% rate would make the median-priced home affordable to an additional 5.5 million households. NAR estimated that 10% of these households would buy a home in the next 18 months if rates reached 6%.

“I have seen some activity with the recent rate reductions, but not a rapid pace,” Crescenzo told HousingWire via email. “I believe if someone has a 3% mortgage rate, a rate that at least starts with a 5 does not seem as drastic. This actually does move people more than the actual savings of another .125% in a long-term fixed rate. I see this in consumer behaviors often.”

Could LLPA changes make a difference?

In the quest to improve affordability for prospective homebuyers, Federal Housing Finance Agency (FHFA) Director Bill Pulte recently announced that the regulator would enlist the help of mortgage prognosticator Barry Habib — a new addition to Fannie Mae’s board of directors — to review the loan-level price adjustments (LLPAs) that accompany conforming loans.

The announcement drew praise from mortgage industry trade groups and United Wholesale Mortgage CEO Mat Ishbia, who offered comments this week in a video posted to YouTube.

“I’m really excited about this,” Ishbia said. “Whether it happens in one month or in one year, the fact that they’re looking at it and finding ways to maybe say, ‘Hey, there’s some excessive LLPAs that are impacting homeownership, maybe we can make some changes?’ Whether it’s on a certain product, certain LTV, certain FICO bucket, who knows? But the fact that they’re looking at it is a positive sign for all of us. We’ve been wanting change.”

The risk-based LLPAs can add thousands of dollars in costs to a loan, depending on the borrower’s credit profile. UWM has previously moved to temporarily lower these fees on the government loans it originates, although the fees do not apply to the government lending market at large.

“There has been little momentum (if any) on this topic,” Crescenzo added. “The most aggressive price adjustments occurred back during the recovery efforts from the crash in 2008, nearing an almost 20-year anniversary of these significant adjustments.”

How will the housing market end the year?

Lisa Sturtevant, chief economist for Bright MLS, said in commentary last week that the Fed rate cuts of September and October “have not done as much to jumpstart the housing market as some had hoped.”

She pointed to NAR’s pending home sales index for September, which showed that the number of contract signings flatlined on a monthly and yearly basis. It’s an early indicator that the fall housing market may not heat up despite significantly lower mortgage rates than a year ago.

“As we approach the end of the year, listing activity tends to slow and would-be sellers decide to wait until after the new year to list,” Sturtevant said. “Ongoing uncertainty in the economy could also mean rising rates through the end of the year. For prospective buyers who are financially ready, right now could be a sweet spot for lower rates and more inventory.”

Samir Dedhia, CEO of One Real Mortgage, offered a more optimistic view. He pointed to lower yields for long-term bonds like 10-year Treasury notes as a sign that mortgage rates will remain near their current levels.

“For consumers, this is a compelling window,” Dedhia said. “Rates in the low 6% range are creating real opportunities. We’re seeing refinance activity rise significantly (more than half of all mortgage applications for several weeks now) and buyers are showing renewed confidence with rising purchase activity.”

Crescenzo offered advice for prospective buyers who want to utilize a down payment assistance (DPA) program, saying that these options “may solve a short-term problem (assets) but are causing overall payments to be higher.” The number of DPA programs available nationwide rose to a record high in the second quarter of 2025, according to Down Payment Resource.

“I believe there is a lot of information available, but the approval criteria may be harder to meet without the money put down,” Crescenzo said. “So, a loan could be approved, but the down payment criteria not approved in some cases. I would recommend reading all details and what could be required if a buyer want to sell the home after a short period of time as an example.”

Read more at Housingwire

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What to Do With Leftover Halloween Candy

 
 

Halloween Was Fun. Now What?

We’ve all been there. The steady stream of trick-or-treaters who wiped out your candy bowl last year was just a trickle this time, leaving you with more candy than you can possibly eat. Or your kids figured out the right route to hit the mother lode, and staggered home carrying their bodyweight in candy. Even your favorite candy can get tiresome after a few days of enjoying some after each meal. Not to mention, your kids are bouncing off the walls from sugar overload and your pants are starting to feel a little tight. We all love Halloween candy, but once the decorations have been put away, the endless supply needs to be dealt with. So what can you do with all your leftover Halloween candy?

Donate Your Halloween Candy for a Good Cause

Look around your community for places to donate your bountiful treats. Many homeless shelters, food shelves and senior homes are open to accepting your extra candy, so give them a call. It’s a great way to brighten someone’s day.

Operation Shoebox sends candy to the troops overseas. Halloween Candy Buyback does this too. Simply Google to see if there’s an operation in your area.

Kroger also has ways to donate at Zero Hunger | Zero Waste.

What’s the Best Way to Store Leftover Halloween Candy?

If you’ve got room in the freezer, just freeze your candy right in the bag. Most candy will last indefinitely, and popping some in a lunchbox or backpack makes for an easy treat during the school year. Come summer, frozen candy is a cool treat on its own, especially candy bars, peppermint patties and peanut butter cups. You can also chop your candy and freeze it to use as an ice cream topping or cookie add-in later.

Save Leftover Halloween Candy for Parties and Piñatas.

You can always put a bowl of snack-sized candy out when guests come over; just let your frozen candy thaw at room temperature for a couple of hours before serving. If you want to get creative, consider making a candy and snack board, arranging sliced bars, cookies and snack foods on a wooden board. For a fun kids’ party, fill a piñata and share the bounty.

Leftover Halloween Chocolate Bars Are Great For Barks or Dipping

If you have a good haul of milk or dark chocolate bars, save them for melting. You can make your own barks studded with chopped candy, nuts, pretzels or cookies. Try our Thanksgiving Bark recipe, and use your chocolate instead of chocolate chips. Strawberries or orange sections become a classy dessert when dipped in melted chocolate. Or freeze banana halves or slices to drizzle with chocolate for a healthy frozen treat.

Turn Leftover Halloween Candy Into Ice Cream Treats

If you’ve got a home soft-serve maker, your favorite Halloween candy is a perfect add-in. Chop peanut butter cups, chocolate bars or other candies and store them in freezer bags for toppings galore. If you don’t have a special machine, use a blender to make your own mixed sundae with vanilla ice cream and chopped candy, blended until thick.

Feature Your Best Halloween Candy in Cookies and Snacks

Your favorite chocolate chip cookie recipe is a good starting point; just sub 2 cups of chopped candy bars for a bag of chocolate chips. Or stir candy into Rice Krispy treats just before pressing in the pan. Monster Cookie Granola Bites are a healthy snack with some mini-peanut butter cups stirred in to make them irresistible. You could also try making Halloween Candy Muddy Buddies or Halloween Candy Cake.

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The #1 Thing You Should Do for Your Garden Before the First Frost, According to Pros

 
 

The first frost always sneaks up way quicker than you’d expect. And not to be dramatic, but those few days leading up to it have the potential to make or break next year’s garden.

Frost typically marks the end of the growing season unless you have frost-resistant plants in your beds, but some smart prep now can set you up for stronger perennials and richer soil next spring.

We spoke with a few plant experts to see which gardening tasks should take priority before the first frost hits (because maybe you don’t have time for every single fall chore this year). They shared exactly what you need to do before that first icy morning arrives, so your garden comes through the winter in good shape.

When Is the First Frost This Year?

“The first frost depends on your grow zone, which varies by where you live,” says Rebecca Sears, resident green thumb and chief marketing officer at Ferry-Morse. “In northern regions, the first frost can arrive as early as late-September, while in southern areas it may not occur until November.” You'll need to know which zone you’re in on the USDA Plant Hardiness Zone Map, and plan for the first frost accordingly.

Tammy Sons, plant expert and the founder of TN Nursery, says you can also rely on regional resources for more precise timing. “I consult my local almanac and count backward from that date to make sure I have everything prepared.” Check your county extension office, garden center, or the Old Farmer’s Almanac online to find frost dates for your ZIP code.

What to Prioritize Before the Frost Hits

When you’re racing the clock before the first frost, garden experts say the smartest thing to do is to clear out the excess. “Thoughtful cleanup of your garden beds should be your first priority, as this sets the stage for all other pre-frost preparation,” says Sears. “Removing weeds and some leaf litter, spent annuals, and trimming back diseased or dead perennials provides a clean slate and helps you better understand what needs dividing, mulching, or protecting before the first frost.”

Doing this will improve airflow and soil health, which Sears says will help your beloved perennials establish stronger roots for the next gardening season. But make sure you don’t take your cleanup too far: “Keep in mind that the leaves and stems of your perennials are still photosynthesizing even after the flowers fade, so hold off on cutting until the leaves and stems start to turn brown, indicating that they won’t produce any new growth before the first frost.”

Sons agrees that removing debris is the first step gardeners should take to protect the garden through winter. Her reasoning? You don’t want to carry problems like pests and fungal growth into the next season. “Preparing my garden for the first frost is a critical step in the garden preparation routine," she says. "First and foremost, I clear out any garden debris such as diseased leaves and dead flowers, to avoid inviting insects and mold to hibernate.”

Other Tasks to Complete Before Winter Arrives

Once the beds are cleared and the most problematic debris is gone, your frost prep isn’t quite finished. Here are a few extra tasks you should check off your to-do list to protect your garden and equipment.

Intentionally Leave Some Leaves Behind

Not all frost prep is about what you do. Sometimes it’s about what you leave alone. “When cleaning up garden beds, it’s natural to want to remove all of the fallen leaves, which can reduce mold and fungal growth,” says Sears. “However, many beneficial insects overwinter beneath leaf litter, so removing every leaf can leave them vulnerable to the elements.” Instead, Sears recommends leaving a light layer of leaves in place and cleaning up only where pests or disease might pose a problem.

Apply a Thick Layer of Mulch

Next, Sons mulches heavily around perennials and young trees to provide roots insulation from sudden temperature drops. Apply a fresh 2–4 inch layer of organic material like shredded leaves or straw. Just make sure to keep the mulch a few inches away from the base of the plant to prevent rot.

Trim and Water Perennials

As the first frost approaches, some plants may need a little extra support before they head into dormancy. “I trim back tender perennials and give the soil one last deep watering, so that plants have access to a reserve of moisture during their dormant period,” says Sons. You need to complete this last watering before the ground freezes. (Once the soil is hard, moisture cannot penetrate deep enough, and it could damage your plants.)

Winterize Sprinkler Systems

If you have a built-in sprinkler system, now is the time to shut it down after your last watering. “When winterizing your sprinkler system, your first priority should be to turn off the water supply to your sprinkler system,” says Amy Mattox, landscaping expert and the owner of Conserva Irrigation, Omaha. “Water that is left in the system can freeze when temperatures drop, which can cause the pipes, sprinkler heads, and valves or back-flow preventers to crack and break.”

Waiting until after the first frost to handle this can cause damage that costs more than paying someone to winterize the sprinkler system in advance. “We generally recommend booking your winterization appointment before the first freeze hits (October to November, depending on your market),” says Mattox, who notes that some locations may not need to winterize closer to December or January.

Clean and Store Garden Tools

After you plant your final spring bulbs (ideally a few weeks before the ground freezes), it’s time to put most of your tools away. “Finally, gardeners should clean and store their gardening tools and drain hoses so they are ready to go next season without rust or damage from freezing temperatures,” says Sears.

Wipe blades with a cloth dipped in soapy water or rubbing alcohol, sharpen edges if needed, and store tools in a dry spot like a shed or garage. Some exceptions to this might include a compost fork or pruners for late-season tree trimming, which you’ll want to keep handy.

Read more at Real Simple

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