New season means new home style trends. Since I got you thinking about home improvements in my last post, I wanted to give you some fall trends to help you with your renovations. If you are renovating, you are going to probably be picking colors for walls, cabinets, bookcases, floors, entryways and more. Below are the popular fall colors and ways to mix them together.

Bronze. Mix this with shades of gold and white for an elegant look.

Copper. Mix shades of copper with warm reds, Indian textiles and gold hues for a cultural vibe.

Neutral color palette. Use this as a canvas and add bold oranges, copper and wine accents.

Dark browns. Add animal print accent pieces and beige walls or furniture to neutralize the intensity.

Oranges. Any shade of orange is hot for the fall. No matter what shade you pick, you can match it with a complimentary shade of red and brown.

Wine. This color is popping up all over the place for fall. Pair it with shades of green for balance and dark wood for a dramatic look.

Brown and Red. Mixing light and dark browns and bright and deep reds all in one room gives off a warm feeling.

Rust. Pair this with gold, brown and tan for vintage look.

Paisley. Mix orange paisley with pumpkin, asparagus and white. Try blue paisley with lipstick red and brass tones.

Endive (as in the lettuce). This shade acts as a neutralizer for yellow, peach and burgundy blends.

Golden glow (a deep saturated yellow). Pair this with bright blue and grey to capture the feel of fall leaves.

Living coral. Mix it with white, gold and dark wood for an elegant, colorful look.

Lagoon. It is the new turquoise. Pair it with bright oranges and green.

Woodbine (the color of fall grass). This shade looks good with charcoal.

Oyster grey. It gives you an airy quality and pairs well with deep reds, bright yellow and aqua.

Rosedust. Paint a wall this shade and accent with tan, brown and white.

fall tips from HGTV

Today there are a number of good plans for financing home improvements on reasonable terms. What kind of loan is best for you depends primarily on the amount of money you need to borrow.

Ask yourself these basic questions:

  • How long is it going to take to do the whole job?
  • How much is it going to cost altogether?
  • Do I need the money for anything beyond this particular set of home improvements?

Your answers will determine which financing option you should choose. Using a credit card might be the best fit if the job is just a couple of hundred dollars. If you’re thinking about this route, think about a personal loan instead. Compared to credit cards, personal loans often have lower, fixed (not variable) interest rates that enable you to properly budget your repayment and still leave available credit on your cards for day-to-day conveniences.

Borrowing against your 401(k) is a relatively painless option because there’s no credit check, less lag time and low rates. However, chances are, that, after you are done paying it back, your 401K bottom line might be smaller than before the loan. You can also tap your portfolio securities by taking a margin loan. There’s no credit check, and you don’t have to pay back the loan if the market does well but if the market drops, you might be forced to sell.

Another option is to borrow on the cash value you’ve built up in your whole, universal or variable life insurance policy, but if you die before the loan is paid back your family wouldn’t get the benefits you originally had planned.

The more traditional route for borrowing for home improvements is to take out a home equity loan or line of credit. If the job is going to be more than a few hundred dollars or it’s going to be in stages — maybe add a garage, do some pool repair and remodel the bathroom later on—then a home equity loan is the best choice. If you’re going to do a one-shot, straightforward project such as putting in a pool, which will be paid upon completion of the project, the home equity loan is probably the way to go.

The government also has loan options that can help you if you don’t have a lot of equity in your home. A FHA 203k Loan has negotiable interest rates and is insured by the FHA. The loans can’t be used to pay for luxury, nonessential improvements such as swimming pools or work already done but things such as new windows, air conditioning systems, storm shutters or roof repairs qualify are acceptable. The government also has incentive programs, such as the solar energy program. As a last resort option, you can get a loan from your contractor. Tread lightly with this type of loan, though, because some contractors may not disclose finance charges.

Have you been trying to sell your house lately but not having much luck? Maybe it’s not your house that is the problem, maybe it is your stuff that is turning buyers away. The way you keep your house on a day-to-day basis works for YOU but not necessarily for anyone else. If you want your house to appeal to the widest audience, hide your things.

Pets’ stuff

When your home is for sale, nobody needs to know that a pet lives there. Potential buyers who are allergic to dogs or cats will be turned off immediately, and the mere presence of a pet will send some buyers right out the front door.

Toys and baby supplies

Having toys everywhere just looks messy and the clutter makes rooms seem smaller. Leaving breast milk, a breast pump or dirty baby bottles on the kitchen counter could make a buyer feel that the home isn’t clean or sanitary.

Cluttered counters and dirty dishes

If the counters are crowded with the blender, coffee maker, toaster oven and other items, it will appear that there is little counter space, or worse, that your kitchen lacks cabinet space. And last night’s dinner caked onto plates sitting in the sink is sure to turn buyers off. Clear the countertops and put away the dishes before leaving home for a showing.

Personal items and toiletries

People don’t want to think of your home as being used. Clean the toothpaste off the sink and put away your prescriptions, open body lotion containers, toothbrushes and dirty towels. Buyers want to feel clean in the bathroom, and although it’s clear that they won’t be the first to use this bathroom, they don’t need to be reminded that they will be taking over a “used” bathroom.

Toilet and Toilet seat

Nothing puts someone off more than a dirty toilet. Put the lid down and keep it clean!

tips provided by MSNBC