Neat and Clean: How to Organize Your Home - Korean Style

 
 

The popularity of Korean culture growing by the day in the United States.

K-culture is sweeping the nation from music and food to fashion and television shows. If you want to be part of the trend, you can adopt the concept of Korean simplicity, organization, and minimalism into your home. By creating an atmosphere that’s full of peace and harmony, you will design a neat, organized space you’ll love. With a few deep cleaning and organizing tips, it’s easy to get your home organized — Korean style.

 
 

Introducing K-culture Elements into Your Home

Here are some of the basics for introducing the concept of K-culture into your home.

  • Simplicity/Minimalist: Keep décor and furniture as simple and minimalist as possible. Avoid gaudy patterns or colors that are too bold and dramatic. You want your home to be beautiful and functional at once without excess “stuff” that can make it feel cluttered.

  • Less is more: Avoid overdoing it when you decorate your home. Instead, adopt the “less is more” policy to ensure that every room is clean, neat, and tidy.

  • Keep an organized home and spaces: Every room in your home should have a purpose and be well-organized. Use storage containers (jars, bins, boxes, etc.) and labels to keep items neatly sorted and easy to find.

  • Clean home:  A clean home is a happy home, so do your best to ensure that your floors, windows, and furniture are clean and free of dust and debris as often as possible.

  • Keep it organized and cute: Use cute organizational items to store your stuff. Whether it’s fabric bins in a fun pattern or colorful jars in your pantry, the key is to make sure that your home isn’t just organized but that it’s also visually appealing.

  • Versatile and multifunctional furniture: Choose furniture that serves more than one purpose. For example, a storage bench or ottoman can also double as storage for throw blankets or shoes. Look for organizational tools like decorative boxes you can use to keep things hidden from view while adding a touch of style to your space.

 
 

How to Declutter Your Home and Simplify Your Life in Korean Style

You can use some basic principles to organize and declutter your home and simplify your life in Korean style, so keep these tips in mind.

  • Think about the purpose of every room: The concept that every room serves a purpose should apply to every space in your home. Whether it’s the living room, a home office, or the bedroom, use this as a guide to help you organize and decorate.

  • Identify messy spaces at home: If you notice that there are things strewn all over your home, then you have a chaotic space. Whether it’s piles of clothing or medicine bottles on your vanity, identify cluttered areas so that you can organize them. If you or your family members don’t know where things go, or you can’t find where items are located, then it’s time to get organized.

  • Take time to organize your space: You can organize your home by incorporating it into your routine, even with a busy schedule. Take 15 minutes each day to put things away and keep your home organized. Don’t try to do everything at once. Instead, pick one room, one area, or even just a corner of your home, focus on that task and then move on to the next one tomorrow.

  • Having too much stuff: If you have too many things and you don’t even know their purpose, then it’s time to declutter and get rid of the stuff you no longer need.

  • Use tools to help you stay organized: Try using colored post-it notes to organize tasks. Organize the notes in order of priority and use them to label things you’re decluttering. Color code and categorize the items you plan to store, donate, or give away, so it’s easier to declutter. You can also keep a journal or use a notepad to track what you organize. Make a note of where essential items are stored, such as medication and important papers. Use a timer to track how much time you spend organizing any particular space or on any specific day. Once each area is complete, you can label it as a “neat spot,” and as you progress, your home will eventually be an ultimately “clean spot.”

 
 

Things to keep in mind: Remember that there’s no such thing as a perfectly organized home, especially if you have a busy lifestyle. You should organize and declutter part of your life and remember that your lifestyle will evolve, so your cleaning methods should also evolve to suit you. Consistency is the key to good organization, so stay on-task and make it part of your routine. You can also keep updated on new organizational tools, styles, and skills to make the process more manageable over time.

Room by Room Tips to Reorganize Your Home in Korean Style

Here are some ideas and tips on how to organize your home in Korean Style, room by room.

Kitchen, Pantry, and Cabinets

  • Have your cabinet doors open on the sides for easier access. You can also use clear or opaque glass on the doors, so it’s easy to see everything you have at a glance.

  • Add rails along your backsplash to hold onto cooking utensils and cutlery. You can use magnets, rails, S-hooks, and flexible shelving to make good use of wall space.

  • Install a power outlet under your cabinets so you can use small appliances on the counters, then put them away when you’re done.

  • Create a small coffee station that you can move around as needed. This will allow you to enjoy tea and coffee outside your kitchen, perfect for entertaining.

  • Store your dishes away in drawers so that they’re not cluttering your kitchen countertops. Use pot lid organizers and slide-out shelves in cabinets so you can organize cookware and find what you need.

Organizing the Fridge in Korean Style

  • Clear out your refrigerator and discard any old or expired foods. Wipe down shelving and clean out bins before putting them back inside.

  • Organize your food in clear containers with a tight-sealing lid. Not only will this keep your food fresh, but it also makes it easier to see, so you don’t waste it.

  • Clean, cut, and prep meat and vegetables before putting them in the fridge.

  • Stack all bottles and cans and keep them together in one section of the fridge, separated by type.

  • Use fridge organizer boxes with a handle so you can find and pull out what you need quickly.

  • A rotating condiment tray makes it easy to access spices, sauces, and more.

Bedroom

  • Your bedroom is for resting and sleeping, so avoid having a TV in the room. Don’t work in the bedroom, making sleep more difficult.

  • Keep plenty of clean sheets and pillowcases on hand and change them frequently (once per week is best).

  • Keep your windows clean and open them on warm days to let fresh air in.

  • Dust your windowpanes, window frames, and furniture often.

  • If you have pets, give them a specially designated sleeping space and keep it clean.

  • Declutter and clean your closet every season change. If you didn’t wear something during that season, it’s time to declutter and give it away.

  • Use an armoire or storage bench for extra clothing and shoes if you don’t have much room in your closet.

  • Install a pair of wall sconces for more lighting. This will free up space on your nightstands instead of having table lamps.

  • Look for a headboard with a built-in bookcase to give you more storage.

Bathroom

  • Use an adjustable shower caddy to keep shampoo, body wash, conditioner, and other toiletries organized.

  • Use an organization caddy on your vanity to keep cosmetics and toiletries neat.

  • Make sure you track the expiration date of medications and check your medicine cabinet often to keep it clean. Be sure to safely store all drugs out of the reach of children and use kid-proof caps.

  • If you have room, add a vanity stand to your bathroom to store items off the counters and keep them in a separate area.

  • Use an appliance holder under your cabinets to store hair tools like hairdryers, straighteners, and curling irons.

  • Keep towels in a linen closet and only have towels out that you plan to use.

  • Wash bath rugs and math mats weekly, and ensure your shower curtain is clean. Use a shower curtain liner to protect your floors.

  • Dust light fixtures every week to keep them clean and dust-free.

Laundry Room

  • Hide your washer and dryer behind a set of bifold doors. If you have a small space, this will help to make your home look clean and tidy.

  • Use shelving units above your appliances to give you storage for detergent and other household items.

  • Add hooks onto the side of cabinets, so you have extra storage. This will also save space in the room as a whole.

  • Put detergent and dryer sheets in containers and label them so they look more attractive and they’re easy to find.

 
 

Social Spaces (Dining Room, Living Room, Home Office)

Organize bookshelves and arrange your books by the most important topics to you so you can easily access them. Limit the space you use for certain books and prioritize your favorites. Sign your initials and date each book once you finish it. This will help you find the books you’ve already read and identify the authors and subjects you like most.

  • Use a large basket or a storage ottoman to put extra throw blankets and pillows away.

  • Place a hall tree in your entryway, so you have a place to hang coats, hats, and bags.

  • Place side tables next to sofas and chairs, so there’s a place to put the remote control, beverages, and magazines. You can also use a magazine rack to keep reading material organized.

  • After visitors, clean your space immediately to prevent bugs and messes. Doing this also makes it easier to keep your home clean, as it can be more challenging to do it the next day.

  • Add a locking file cabinet to your home office to keep paperwork secure and in order. A printer stand is also helpful and can keep reams of paper in one location.

Outdoor Spaces

  • Mow your lawn, trim trees, and weed your garden regularly to keep it clean and tidy.

  • Make sure that your patio space is organized by putting toys and accessories away. Rinse your patio or deck with a garden hose every so often to keep it clean.

  • Install shelving and use storage bins to organize your shed, garage, or storage unit — separate tools, gardening items, and sporting goods so you can find what you need.

  • Always keep pet areas clean to prevent accidental injury and diseases. Put dog food in airtight containers to prevent bugs.

  • Only buy patio furniture that you know you will use and keep it to a minimum so you can enjoy the outdoors to its fullest potential without feeling cluttered or overwhelmed.

There are no specific rules for creating a perfectly organized space. The best way to organize your home in Korean style is to create a space that reflects who you are and what you love the most. Your home is your sanctuary, so use these tips to help you stay organized while you express your passions and showcase the interests and preferences that mean the most to you. 

Originally Posted in Porch.com

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Here’s What Being “House Poor” Means — And How You Can Avoid It

 
 

Have you ever heard the expression “house poor” and wondered, “What exactly does that mean?” 

When someone uses this phrase, it usually suggests that they’re spending a large chunk of their monthly income on their mortgage and accompanying housing costs — things like homeowner’s insurance, property taxes, and HOA dues. While they’re building equity with homeownership, their budget is stretched thin and they may have a hard time budgeting for other expenses while they keep up with their monthly mortgage payments. 

Generally, financial experts suggest that you spend less than one-third of your monthly take-home pay on your rent or mortgage, says Danetha Doe, Clever Real Estate‘s economist and spokesperson, as well as the creator of personal finance site Money & Mimosas.

“Some signs that you are house poor include not being able to cover the expenses of necessities such as utilities, groceries, and transportation,” Doe says. “Other signs are if you are unable to contribute to your savings or investment goals each month.”

If you are currently in this situation, you can try to refinance your mortgage for a lower interest rate, Doe suggests, which will lower your monthly payment and free up some room in your budget. 

Here are some more smart strategies that will help you avoid becoming “house poor,” according to financial experts.

Don’t Wipe Out Your Savings When You’re Buying

The best antidote to being house poor is to plan ahead as much as possible, says Lauren Bringle, accredited financial counselor at Self Financial. Remember, a down payment isn’t the only cost associated with homebuying, Bringle says. “There are closing costs, repairs, maintenance, utilities, property taxes, and more to account for,” she says. “Build as much cushion into your savings as possible so you’re financially resilient.” For your budget-planning: Closing costs are typically 2 to 5 percent of your loan, and they can be rolled into your mortgage. 

Know Your Budget

Factors like excellent credit and a low debt-to-income ratio may help you qualify for a higher loan amount (and more favorable terms). But just because you can qualify for a higher mortgage loan, doesn’t mean you have to accept the full amount, cautions Bringle. “If you can buy less house, or find a home that’s a better value that still meets your needs, don’t feel obligated to accept the full amount, which would just mean a higher mortgage payment,” Bringle suggests. “Instead, pay for the amount of house you need, and take out the right loan to cover that amount.”

Get a Home Inspection

It’s a sign of the crazy homebuying times: Some buyers have been waiving property inspections to sweeten their offer. But unless you’ve got lots of cash to fix potentially costly repairs (A leaky roof! Cracks in the foundation! An aging HVAC system!), Realtors and financial experts advise you to get a home inspection. In a best-case scenario, the seller will get the problems fixed before you move in or give you a price reduction. But if not, at least you know the ballpark of how much repair expenses will be and you can determine whether they fit comfortably in your budget.

Another pro tip: Get estimates and bids on potential home repairs before buying a fixer upper and add extra to the budget for unforeseen expenses, says personal finance and money-saving expert Andrea Woroch.

Get more tips on Apartment Therapy.

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More Sellers Are Lowering Asking Prices

 
 

With mortgage rates now nearing 5%, many aspiring home buyers may have reached the top of what they can afford, especially as 40-year-high inflation affects the threshold for them.

As a result, the number of sellers dropping their asking price is growing at a faster clip than in the recent past. About 12% of homes for sale had a price drop during the four weeks ending April 3, according to Redfin. That marks a jump from 9% a year ago.

“Price drops are still rare, but the fact that they are becoming more frequent is one clear sign that the housing market is cooling,” said Daryl Fairweather, Redfin’s chief economist. “It goes to show that there’s a limit to sellers’ power. There is still way more demand than supply, and buyers are still sweating, but sellers can no longer overprice their home and still expect buyers to clamor at their door.”

Home prices are well above levels from a year ago. The average borrower is paying about 40% more than they would have for the same home a year ago on a monthly payment due to higher mortgage rates and higher home prices, according to the National Association of REALTORS®.

More consumers believe that mortgage rates and home prices will rise further, according to a monthly consumer sentiment index from Fannie Mae. “If consumer pessimism toward homebuying conditions continues, and the recent mortgage rate increases are sustained, then we expect to see an even greater cooling of the housing market than previously forecast,” Mark Palim, vice president and deputy chief economist at Fannie Mae, wrote about the consumer sentiment index’s findings.

However, some buyers may see an opening in the market. They may want to rush ahead of further mortgage rate increases or may see an uptick in new listings.

Housing demand remains high, Nadia Evangelou, senior economist and director of forecasting at the National Association of REALTORS®, writes on the association’s blog. Plus, a severe housing shortage due to underbuilding over the last decade will cushion the housing market from rapid deceleration.

“Housing demand will remain strong due to favorable demographics and shifts in buyers’ preferences as teleworking remains in place,” Evangelou writes.

Learn more like this.

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How is a Home Warranty Different from Homeowners Insurance?

 
 

Homeowners insurance and home warranties are both designed to help safeguard your home, but they each offer different types of protection.

A home warranty is an excellent supplement to a homeowners insurance policy, and a homeowner should consider purchasing both.

What is homeowners insurance?

Homeowners insurance covers loss and damage to your home or belongings caused by certain perils such as fire or flood. Most mortgage lenders require a homeowners insurance policy as a condition of granting the home loan.

What is a home warranty?

home warranty is a service contract that covers the costs associated with common home system and appliance failures.

Savvy home sellers and buyers understand the value a home warranty provides both before and after the home sale. Home systems and appliances don’t last forever, and a home warranty plan offers plan holders convenience, budget protection, and peace of mind.

Homeowners insurance and home warranties work together

Let’s say a dishwasher leaks in your kitchen, all over your new hardwood floors. While homeowners insurance may cover costs related to the water damage, a home warranty would cover the dishwasher breakdown.

Having both homeowners insurance and a home warranty is a smart idea. They can work in tandem to ensure coverage for the home and belongings within, including the home’s systems and appliances. Together, both types of coverage offer homeowners peace of mind and invaluable budget protection when covered home system and appliance breakdowns happen.

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Will the middle class survive a nationwide housing shortage?

 
 

In this current mad dash to find housing, the first 48 hours are proving to be crucial to either make or break a deal, especially for prospective middle-class homebuyers.

Just ask Jonathan Sigrist and Krystal Dickison of Charlotte, North Carolina. Within a 24-hour span, the couple saw a home they really liked, went on a tour the next day and put in an offer that evening. 

Their real estate agent had advised them the seller already had multiple offers. They better act quickly if they wanted it, she said, and even should consider making "certain contingencies." The couple agreed to some, including taking the home in its current state and offering $13,000 over the asking price.

It worked. The couple will close on the home later this month in one of the toughest housing markets in the country.

"It's happening. It was amazingly stressful. We're first-time homebuyers and we really had no idea what was going on," Sigrist said. "We both had mixed emotions, excited about the possibility of getting it, but also sad that we might lose it, all in a matter of hours."

Affordable homes in short supply

The scramble for housing for the middle class has been a struggle for decades, housing experts say. According to a 2021 study, “Housing is Critical Infrastructure: Social and Economic Benefits of Building More Housing,” commissioned by the National Association of Realtors, “underbuilding (has) placed a significant strain” on the for-sale housing market. The inventory of available homes available to buy has steadily declined even before the COVID-19 pandemic, which only exacerbated the problem.

Now, first-time homebuyers seeking to take advantage of still-low mortgage rates also must contend with a lack of affordable housing. This would also include millennials like Sigrist and Dickison wanting to be homeowners.

For example, Charles Maurer, a real estate agent based in Cleveland, said he could put a house listing up on a Friday morning and "get 50 to 60 calls by that afternoon" and likely have the home sold by Sunday night.

"Houses used to be on the market for weeks, sometimes months at a time," Maurer said. "Now we're surprised if they're not sold within two or three days."

Maurer, who said about 70% of his clients are middle-class, believes that "they are what drives this country's economy and have to be made a priority" when it comes to housing. 

Last year the median price of an existing single-family home jumped to an all-time high of $357,900, up 23% from a year earlier, according to the National Association of Realtors. About 94% of 183 metropolitan areas that were measured notched double-digit gains, up from 89% from the previous year, the organization said.

Home shortage of around 6 million

It was long thought that housing shortages occurred in only certain regions of the United States, such as the Northeast and Midwest, but now “the underbuilding gap extends across almost every major city in the country,” the Realtor-commissioned report said.

The report also said the housing unit shortfall ranges between 5.5 million and 6.8 million, despite an annual average of 1.5 million new housing units completed in the U.S. and a 1.7 million spike in 2020 alone. "New construction would need to accelerate to a pace that is well above the current trend, to more than 2 million housing units per year" to close the gap, the report said. 

"Even if building were to continue at the current level – the most rapid pace in more than a decade – it would still take more than 20 years to close the 5.5-million-unit housing gap," the report said.

The report came several months before House Democrats passed President Joe Biden’s now-stalled $1.75 trillion Build Back Better Act. The bill includes about $170 billion for what presumably would be the nation’s largest investment for affordable housing, with a goal to build or preserve more than a million affordable homes. 

Housing market outlook for 2023

That 1 million figure, however, may only scratch the surface. Jessica Lautz, the Realtor association's vice president of demographics and behavioral insights, estimates a nationwide shortage of between 4.5 million to 6.5 million housing units. 

While the association doesn’t estimate the shortfall of affordable versus higher-priced homes, Lautz said that "it could be argued the vast majority of homes needed today would be affordable properties as prices continue to rise out of reach to potential home buyers."

“There’s far more demand but less supply for housing overall,” Lautz said. “Naturally, affordable housing falls into that same category.” 

There’s long been a shortage of housing before the pandemic, said Jodi Hall, president of Nationwide Mortgage Bankers. Now the problem may be further compounded, Hall believes, by materials “sitting in the Suez Canal” because of hundreds of container ships being stuck on either side of the canal.

Hall also said there's a lack of incentives to build affordable housing, adding that the rising costs of supplies to build homes is a primary reason. 

First-time homebuyers must be 'the quick and the creative'

"First-time homebuyers need to be aggressive wherever they can to win outright," Hall said. "It's a big battle out there."

Brittany Lambrechts Camacho knows full well about the dearth of affordable housing. Based in the uber-competitive Washington, D.C., and northern Virginia markets, she said she's never seen anything like this in her 16 years as a real estate agent.  

She said first-time homebuyers now have to possess other traits besides having the money to get that house. 

"They must be the bold, the fast, the quick and the creative," she said. "Lace up your sneakers and let's go."

Lambrechts Camacho said middle-class and homebuyers in general also may have to make some concessions, including paying over the listing price, buying the home as-is and waiving inspections in order to be in the chase. 

"These first-time homebuyers are doing what feels like insurmountable things to get a home, and that makes me so sad," Lambrechts Camacho said.

Deal sweeteners to close out the sale

But that's the way the game is played today as homebuyers might have to add "deal sweeteners," said Bullock, the real estate agent in the metro Charlotte area who helped Sigrist and Dickison get their home. 

Those "sweeteners" could include paying any fees associated with due diligence (examining the physical and financial condition of the property and the area where the property is located), paying the seller's attorney fees or paying cleaning costs after the seller leaves the home. Buyers might allow the seller to stay in the property a month for free after closing as well as other contingencies, Bullock said.

"As a buyer, you might not have a lot of skin in the game money-wise, but you might have something that would be desirable to a seller," said Bullock, who urges homebuyers to have resources available ahead of time in case they must "pad their offer."

Sigrist, a software engineer, and Dickison, an interior designer, were grateful that Bullock, who worked overnight to help them with their offer, was available to guide them through their options.

Sigrist recalls the restless nights hoping their bid would be accepted. Dickison remembers that her heart was racing as well. "I kept saying, 'Maybe this is our shot,'" Dickison said.

The couple's new home keeps them within their neighborhood, near the apartment where they have lived for five years. With the move, Sigrist can still drive only 15 minutes to work downtown and Dickison will soon commute via rail. 

They have big plans, as Dickison sees their new home as more than just an investment.

Keep reading.

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