How to Build Your Own Garage Door

So you’re the queen (or king) of DIY, but so far your projects have been limited to things in the garden or the kitchen. You’re not shy about using power tools, and you know your way around a workshop.

But have you ever thought about what it would take to build your own garage door?

Surprisingly, it’s not too big of a project to tackle! Armed with the right tools and a little DIY know-how, you too can manage to build your own garage door.

From selecting the right doors to stepping back to observe the finished product, there are a few important steps to building your own garage door. We’ll walk you through the project from start to finish with our guide. Read on.

How to Build Your Own Garage Door From the Ground Up

Of course, if you want to build your own garage door from scratch, there are ways to do that.

This process involves cutting wood, gluing it together, and quite a bit more time and effort. You’ll need access to an electric saw, plywood, and other heavy-duty materials.

If this sounds great and you are looking to build your garage doors from raw materials, you will need some in-depth construction knowledge. Most people do not have access to the tools and knowledge needed for this sort of construction.

Instead, the recommended way to build your own garage doors is to choose from doors that are pre-built and then do the installation yourself.

Then, you will end up with stylish and beautiful doors but still pay a fraction of the cost since you are opting to build them.

Choose What Type of Door You Want

If you choose to go the recommended route, the first step is a fun one. You must select the size, style, and color of door for your home.

There are many different garage door styles. The style you choose should reflect the overall look you are going for in your home.

You’ll also need to know the height, width, and depth of your current garage doors. If you do not have any yet, ask your builder what will fit in the space.

The four main styles of garage doors are carriage house panels, flush panels, long-raised panels, and short-raised panels. Each of these has a totally different character.

To get a feel for what will work for your home, you should look at plenty of pictures of each kind. Do this to figure out what style you prefer and what will make the best impression visually.

For example, short-raised panels look great on Victorian-style homes and colonial-inspired homes. Carriage house panels, on the other hand, lend more of a charming country vibe.

Depending on the design style you’re following for both the exterior and interior of your home, you should choose doors that go along with it.

You should also get a feel for the price range of each option so that you know what will fit in your budget.

Make Your Purchases and Get to Building

After you’ve decided on the style of doors, the next step to build your own garage door set is to make your purchases. Typically you can buy garage doors at home improvement stores or through a catalog.

Once you’ve ordered your doors and they have arrived, the real fun starts. Now, it’s time to get to building.

Installing garage doors yourself can save you quite a bit of money. You might first have to remove the old garage door, though. This is relatively simple and basically just involves unscrewing what needs to be unscrewed.

How to Install Your New Garage Doors

Once you’ve removed the old doors, you’re ready to put the new ones in place. First, you’ll need to do some measurements and attach the hinges and handles.

Measurements Are Key

You’ll need to measure the various points where the door will be installed, like the door-opening height and width. You’ll also want to measure from the top of the opening to the ceiling.

Then, with these measurements, you’ll need to attach stops to both sides of the opening. They must be flush with the inside of the door jamb.

Put the Pieces in Place

Then, you lay out the bottom piece of the new door and attach any hinges or handles that are meant to go with this piece.

You should use a level to make sure the bottom piece is perfectly placed. Otherwise, the rest of your door will not fit properly. Refer to the manufacturer’s instructions at this point to ensure that all is going according to plan.

Next, the process looks almost like fitting puzzle pieces into place. Following the perfectly placed bottom piece, you’ll stack the next pieces on top of that and install them one by one.

Ta-Da!

You simply repeat this process for each panel until your entire door is built. After you’ve installed the rollers and secured the tracks, your job here is done!

Does all of this sound a little overwhelming? It might be tricky, but it’s worth a try.

What’s the worst that can happen? At the end of the day, if everything goes wrong, you can always call for garage door repair Arlington TX.

Looking for More DIY Tips and Tricks?

If you are on the hunt for more DIY projects, check out our posts. They contain all you need to know to take many kinds of household projects into your own hands.

Want more? We are here to help you find ways to live frugally, find great deals, tackle DIY projects, and more.

In short, we help you squeeze the most out of life. If you have questions, please leave them in the comments section below! We’d love to hear from you!

What You Need to Know About Bad Credit Home Loans

Did you know research shows the average credit card interest rate is 13.66% in the U.S.? And the average debt held by balance-holding households is over $16,000.

With these staggering statistics, it’s no wonder many people don’t have the most stellar of credit history.

Let’s take a look at 7 things you need to know about bad credit home loans.

1. Obstacles That Make it Difficult to Buy a House With Bad Credit

We’d all like to be debt-free. That’s just not always the reality of our situations.

When you have a bad credit score, it can be easy to feel like you’ll never be able to purchase a home. But that’s not true.

There are challenges to be aware of that come along with bad credit. Here are a few you need to have on your radar.

Denial of a Mortgage Loan

We’ve all made mistakes with our money. And your credit score is a constant reminder of these mistakes.

A good credit score is considered 750 or above. And a score that looks like this will get a buyer approved for a mortgage easily.

However, a credit score below 670 is grounds for denial of a mortgage for most mortgage lenders.

Denial of the Best Interest Rates

A high credit score will also get a home buyer the most competitive interest rates around. While lower credit scores leave a lot to be desired in this area.

Whether you’re wanting to do home buying or condo buying, a credit score under 670 will make it incredibly hard to complete the process. This is where bad credit home loans can help you out.

2. Ways You Can Compensate For a Low Credit Score

You can repair your credit. But it sometimes seems to take forever. While it’s good to routinely work on this, there are also other ways to make up for a low score. A few situations that can compensate for a low credit score are:

  • A substantial amount in your savings
  • High current income
  • Potential for promotion with present employer
  • Paying comparable amount as rent
  • High down payment plan
  • Consistent and solid employment history

Of course, these factors are not always possible to salvage your bad credit score. But meeting even one of them will help your odds.

3. Finding Lenders That Work With Buyers With Bad Credit

There are lenders who work with first-time home buyers and those with bad credit by offering bad credit home loans.

Federal Housing Administration

The Federal Housing Administration offers an FHA loan for those with a poor credit history. These loans provide low down payment and low credit options.

The FHA loan can be available to those with a credit score of 580. This loan provides a low down payment of 3.5%.

If your credit score is between 500 and 579, you may still qualify for an FHA loan. But you’ll typically be offered a 10% down payment to compensate for the low credit score.

Requirements for FHA Mortgage Loans

To qualify for an FHA loan, you’ll need to have:

  • A 580 FICO score or above
  • Confirmable income
  • Steady employment with a minimum of 2 years in the same type of work or with the same company
  • 3.5% down payment
  • Zero late or defaulted payments within the past one year

FHA Loans With No Credit History

If you’ve never had a line of credit in your name, a lender may be willing to use alternative credit valuations. These may include areas such as rent payments, phone bills or utility bills to support a solid payment history.

For this alternate option to be valid, you must have 12 months straight with zero delayed payments.

These FHA loans are ideal for first-time buyers with a poor credit history. But remember, the ultimate decision to qualify you for a loan remains with the individual lender.

VA Loans For Veterans with Poor Credit

The VA loans provide veterans with the option of receiving financial support in purchasing a new home.

The VA loans provide 100% financing and zero monthly mortgage insurance premiums. These loans also offer flexible credit score requirements.

4. Gather Quotes

Before making a decision on which loan to agree to, shop around for the best deal for your situation.

A good rule of thumb is to obtain at minimum 3 quotes from various lenders. Compare the interest rates, required down payments and loan fees.

Fear of Lowering Your Credit Score

Oftentimes, prospective home buyers are worried that shopping around for the best mortgage loan deal will negatively affect their credit score. But not to worry.

FICO provides a one month window for you to rate-shop. During this time, all inquiries from mortgage companies will register as only one inquiry.

So, you can let go of the hesitation for fear of impacting your credit score.

5. Down Payment Assistance and Grants

As a first-time home buyer, you may qualify for assistance with the down payment or a grant.

If you receive low or moderate income, you’re in the running for this type of assistance. It often aids in covering the cost of the down payment and some of the closing costs.

6. Local City and County Home Buying Assistance

There are home buying assistant programs in nearly every city and county. You can check the city or county’s official website for any available options.

As with any of the other loan options, you’ll be required to meet specific criteria. Most financial assistant programs through your city will require you to complete a home buyer’s educational course, as well.

7. Bring Your Credit Score Out of the Red Before Closing

There are a few ways you can rapidly enhance your credit score. You can:

  • Bring your credit card balances down to below 10%
  • Ensure all current payments are made promptly
  • Don’t apply for credit
  • Contest any false content on your credit report

Before you apply for bad credit home loans, bring your credit score out of the red as quickly as possible.

Bad Credit Home Loans

Having bad credit doesn’t mean you’re stuck. We all have times when it feels like we just can’t crawl out of an overwhelming situation.

But you can at least arm yourself with the facts to stay informed.

These are our top tips for buying a house with a bad credit home loan. What would you add? Comment below!

5 Elegant Prom Dresses Inspired by Trendy Celebrity Fashion

If you want to feel like you’re walking the red carpet when you roll up to your prom, celebrity-inspired dresses are the way to go.

These elegant prom dresses come in many shapes and sizes, so you can let your individualism shine while still feeling like a star.

If you’re curious how the glamorous looks of Hollywood can translate into a fun look for prom, you’re in the right place. Keep reading for the low down on five elegant prom dresses inspired by trendy celebrity fashion.

Let’s get started!

1. Old Hollywood Glam

This is one look that will never go out of style. Every year at parties and on the red carpet we see gorgeous celebrities rocking long, luxurious, glamorous gowns that ooze old Hollywood vibes.

The name of the game is length, with a little flare at the bottom. Go for a bold color like red or gold, and either a strapless or v-cut top.

2. Patterned with Beads

Ever pined after a celebrity dress because of its beautiful handmade detailing? Mimic this type of look by choosing a dress that is patterned with beading.

This style gives the gown an added design element that is sure to turn heads.

3. Two-Pieces

Not only are we seeing two-piece styles on celebrities at glamorous events, we’re even seeing them at celebrity weddings! This look may seem daring, but that depends on how much space you want to leave between the top and bottom elements.

Go for more or less exposure depending on your school’s dress codes and your own personal style! And to make this look even more fun, accessorize with a cute scarf or shawl.

4. Mermaid Styles

Mermaid gowns have been at the top of the list for elegant prom dresses for quite some time now- and they’re not going anywhere! These gowns hug the figure in all the right places with a beautiful flare at the bottom.

For even more glamor, grab a mermaid gown with a long train!

5. Be Bold with Metallics

Metallic colors, especially metallic silver, are super trendy this season. And who’s more on top of the current trends than celebrities?

Many are sporting this color scheme with elegant drop-waist dresses. Metallics are also a fun way to accessorize your prom getup with a fun clutch or shoes.

Elegant Prom Dresses Don’t Need to Break the Bank

Feel like you need a celebrity budget to achieve these celebrity styles? Think again!

Many websites where you can shop online for prom dresses offer amazing deals. You can conveniently scroll through a ton of options in order to find the best match for you.

Wrapping Up

From old Hollywood glamour to fun beading and metallics to modern two pieces and mermaid styles, celeb-inspired elegant prom dresses offer something for everyone. Let your personality shine while capturing the sophistication of Hollywood’s most elite.

Because why go for the kind of dress that everyone else is wearing when you can look like a celebrity at your prom?

Did you enjoy this read? Click here to check out more great articles!

5 Amazing Ways to Take the Fear Out of Dentistry for Kids

Do you need your child to get dental care without letting her anxiety and fear get the best of her?

Don’t worry. There are plenty of helpful tips you can follow.

You as a parent definitely need to take heed of these tips, since you likely have some of your own anxiety to deal with.

Dentistry for kids is important so they can grow up to be as healthy as possible. Your dentist will be vital in helping your child learn to brush and care for her gums and teeth.

With this thought in mind, follow these five tips.

Taking The Fear Out Of Dentistry For Kids

1. Let Them Play Before the Appointment

Children are bundles of energy in general, so having them sit still for the dentist can be a real chore. To mitigate some of this, you should let your child burn off as much of her energy as possible.

Allowing your child to play outside is great to produce positive endorphins. This will ensure that she’s in a great mood once it’s time for the appointment.

Parents sometimes forget that kids have tough days and their own emotional trials. Play lets your child process her emotions and curbs fear.

By the time she gets to the dental appointment, your child will be well-rested, attentive, and ready to go.

2. Take Your Child to Meet the Dentist

Think of your child’s dental appointment as the big show. If this is the case, meeting the dentist on more relaxed terms can serve as the dress rehearsal.

Find a family dentistry practice that’s great at working with kids. Schedule a quick meet and greet for your child. Ask the dentist if they’ll allow your child to sit in the dental chair and simulate a cleaning and inspection.

After this walkthrough, your child will have a rapport with the dentist. She may even feel excited to go through with the real thing.

3. Have a Pretend Session to Get Her Used to It

You play a big role in helping your child get the best dental care.

Because of this, be sure to roleplay as the dentist to help her get used to what an appointment entails.

This can be a fun time to not only play make-believe but also teach her some valuable tips about dental health.

4. Pull Up YouTube

YouTube is valuable when it comes to taking the fear out of dentistry for kids.

Your child will be able to browse videos of other kids going to the dentist for the first time.

This way, she’ll build a comfort level that curbs her anxiety and lets her learn tips from a dental hygienist.

5. Choose the Right Dentist

Above all, you need to find the help of a dental professional that’s great at working with kids.

Touch base with your dental insurance provider for some recommendations on in-network dentists. Your child will instantly be at ease when she’s in capable hands.

Do you have any other tips to help your child curb her dental fear? Let us know in the comments below!

The Great Debate: Silicone Or Saline Breast Augmentation?

Since 2006, breast augmentation has been the top cosmetic procedure, and in 2016 290,000 procedures were performed.

Women decide to have breast augmentation for a number of reasons, including to improve their self-image and confidence, to balance breast symmetry, or to reconstruct following breast cancer treatment.

Whatever the reason for deciding to have the procedure, women who do go in for breast augmentation face another choice: silicone or saline?

Choosing one type of implant over the other may be a matter of personal preference for the look and feel, but it’s important to be aware of the specific differences between the two so you can get your perfect look.

If you’re interested in breast augmentation surgery and want to know more, read on.

Below, we’re discussing both silicone and saline implants so that you can make the choice that’s best for you.

1. Silicone Implants

Every woman who goes in for breast augmentation surgery should feel confident when choosing silicone or saline. In addition to an elastomer silicone shell, silicone breast implants are also filled with viscous silicone gel.

Pros and Cons of Silicone Implants

One of the pros of silicone implants is that they tend to have a more natural feel. That’s because silicone gel has the same texture and consistency as human fat.

Most silicone implants also have multiple shell layers surrounding the gel, which makes safer and leak-free.

While the multi-layer shell makes silicone implants safe, it also can make the implant feel firmer, which is not everyone’s preference.

The incision required for a silicone implant may also be larger than with other implants.

2. Saline Implants

Like silicone implants, saline implants also have an elastomer silicone shell. The difference is that saline implants are filled with a sterile saline solution and not silicone gel.

Pros and Cons of Saline Implants

One of the benefits of saline implants is that they can be filled to a specific size, so you can truly create a custom implant that is based on your body size and preference.

Some feel that saline implants do not give the same natural feel as silicone implants, which could be a reason not to choose them.

They also can rupture more easily than a silicone implant, although if saline implants do leak it is obvious to tell and there is no harm caused.

3. Choosing Silicone or Saline

There is no one type of breast implant that is better than the other, it is simply a matter of personal preference. You should also consult with your doctor to make the decision.

For example, if you are interested in a breast augmentation, Beverly Hills is a great place to go to consult expert physicians.

Ready to Make a Decision about Silicone or Saline?

The more information you have about the differences between silicone and saline breast implants, the more confident you’ll feel in making a decision.

If you have any questions, your doctor should be able to answer them and guide you through the process so you are as comfortable as possible.

For more information or any questions, please feel free to contact me at any time.

5 Ways to Get a Facelift Without Surgery

Do you lack the youthful glow you used to have a decade ago?

Have you looked into getting a facelift, but denied it as an option to avoid going under the knife?

The answer for many women and men reluctant to undergo surgery is a non surgical facelift.

This solution to the problem of aging skin can undo years from your face, without the complications or cost of a traditional facelift.

There are also a variety of options, some that can be combined and customized to get the results that you are interested in.

In addition, you can pick the option that is best for you and your situation as far as time, the number of appointments, and cost.

Read on to learn more about the options when considering a facelift that is non surgical.

What is a non surgical facelift?

The definition of a non surgical facelift is one that is minimally invasive and avoids a full fledge surgery.

These methods still bring volume to rejuvenate your face, but in most cases, at a lesser risk.

However, it is important to mention that almost all methods still involve a specialist or doctor to administer the treatment.

Here are five methods worth mentioning in minimally-invasive facelifts.

1. Microcurrent Therapy

Microcurrent therapy works by sending tiny pulses through the skin, back and forth through the muscle layer.

This works by improving the muscle quality, which is also why this method is often used for back pain by physical therapists.

This method can be effective for women who are looking for minor improvement in their skin, and there is minimal downtime for it.

2. Thermage

Thermage is a treatment that uses radiofrequency waves to improve damaged and aging skin.

It works by using these waves to stimulate the production of collagen, which in turn, removes wrinkles.

This solution offers minimal downtime, and it works deep in the tissue to correct aging skin.

3. Botox

Botox is one of the most well-known non surgical options, with 4,267,038 procedures in the US in 2015 alone.

It is known as a neuromodulator and is injected into the muscles of the face. This causes the face to relax, which prevents the muscles from contracting.

This lack of contraction is what causes wrinkles to disappear since contraction can lead to wrinkles. This makes them very effective in treating fine lines, especially in the forehead, around the eyes, and between the eyebrows.

Results appear within three to seven days and last three to four months, so ongoing treatment is likely to continue the desired result.

4. Radiesse

Radiesse is a type of injectable filler that is a non-permanent wrinkle solution. It is especially effective for deep wrinkles.

It is more expensive than other filler options, but it lasts longer and requires fewer treatments to achieve results.

This treatment is especially recommended for wrinkles around the nostrils and mouth.

5. Facial Exercise

Facial exercise is the least invasive method on this list and stands out because it is something you can do from home.

There are dozens of different exercises you can do daily to see results over time. It is important to do them regularly and to make these part of your everyday routine.

This can be as fun as you’d like to make it, and you could incorporate it any way that works for you. You could even do it as part of your regular exercise, like during at-home yoga.

As well, you can use this option in combination with another method, as long as it is healed and as long as the person who administers the treatment gives you the O.K.

Benefits of a non surgical facelift

Overall, there are numerous benefits to getting a facelift. You feel more confident, radiant, and younger.

These methods are minimally-invasive, and most have very little downtime. As well, the side effects are considered minimal especially in comparison to the traditional facelift.

In addition to these options, consider improving your overall health and wellness to reduce stress and future wrinkles.

Check out our article on five rejuvenating wellness activities you deserve to try to learn more about how these can improve your quality of life.

Where to Find Quality Loans for Bad Credit

There are all kinds of reasons why you might want to take out a loan.

Maybe you want to go back to school now that your kids are a little bit older. Perhaps you want to build an addition onto your house to make room for a new arrival. Maybe you need a new car to get your kids to and from soccer practice.

However, if you have bad credit, getting that loan can sometimes be pretty tough.

But despite what you might think, there are options out there. In this post, we’ll tell you everything you need to know about how to find the best loans for bad credit.

The financial future you want is possible. You just have to know where to look to find it.

Try Online Installment Loans

The first option on our list of loans for bad credit?

Online installment loans.

First of all, online installment loans often let you borrow more money than other options allow. You’re paid this money in installments (in most cases, once a month.) This helps you to increase your credit score while also preventing you from spending the money carelessly.

So, if you struggle to control your desire to splurge, installment loans are a wonderful option.

This means that you’ll also have a longer period over which to repay the loan — but that’s an advantage if your current cash flow is less than you’d like it to be.

Most online installment loans bad credit also offer a more flexible repayment schedule. As long as you have an American bank account and have proven a reasonable ability to repay the loans, you’ll be approved.

Best of all?

In the majority of installment loan applications, no credit check is required. Additionally, you won’t be asked to divulge detailed information about your finances. The application is incredible simple, and only takes about ten minutes to fill out.

In most cases, you’ll see your first installment payment within 24 hours of your approval.

A Loan from a Credit Union

If your credit is less than stellar, you know firsthand how difficult it can be to get approved for a loan by a bank.

Luckily, there are other options.

Another one of the most popular loans for bad credit? Credit union loans.

While you’ll still need to provide a certain amount of financial information, and demonstrate a reasonable repayment ability, credit union loans are a great possibility for those with bad credit.

To get the loan, you’ll need to become a member of a credit union. This too, isn’t nearly as complicated as it might sound. All you really need to do is demonstrate that you live near the credit union, or that you work in a certain field approved by the union.

This means that pretty much anyone will be accepted for membership, as long as you find a credit union where you meet the membership criteria.

So, how are these credit unions able to grant you loans even if you have truly awful credit?

It’s because they operate as non-profit entities, so they can undercut the costs and interest rates of banks.

Plus, because they’re used to working with individuals on a more personal basis, you’ll likely receive much better customer service than you would at a large bank branch. You’ll also have to pay less fees and penalties, which can make the process much more of a financial possibility.

Keep in mind though, that loans from a credit union will often have shorter repayment periods than installment loans. Additionally, the amount of money you’re able to borrow will likely be less than you can get from an installment loan.

Apply for a Home Equity Line of Credit

If you’re a homeowner, you’ll have a nice leg up when it comes to getting loans for bad credit.

This is because you’ll be able to use what’s called a home equity line of credit (also known as a “HELOC.”)

Of course, this means that your home will serve as collateral. So, that means it’s incredibly important to really think about this choice, and to be honest with yourself about your ability to make repayments.

If you have a minimum of a 20% stake of equity in your home, you’re eligible for a HELOC. You’ll also need to prove to your lender that you have a strong record of employment.

If approved, you’ll be able to take out a line of credit on your home that’s tax-deductible. The interest rate will be much more manageable than other options, and you’ll be able to use the money for anything you like.

Look for “Bad Credit Loans”

In your search for loans for bad credit, you might come across something simply titled “bad credit loans.”

However, this option is last on our list for a reason. Only go for this choice if you’ve been denied the other loan types we’ve listed.

Why?

Because this is the type of loan where it’s easy to get trapped in a debt cycle. This is because these loans come with seriously high interest rates that make it challenging to get out of debt.

However, the majority of people who apply for these loans are accepted, even if you have bad credit.

Want More Advice About Loans for Bad Credit?

As you can see from this post, you have far more options than you might think when it comes to securing loans for bad credit.

However, it’s always important to make sure that you’re borrowing money because of a real need, not because of a want. Speak with your partner and talk about how you plan to stick to your repayment schedule.

One of the best ways to make sure you’re always on top of your bills? By looking for other ways to save money.

That’s where we come in.

Spend some time on our website to connect with the best deals and discounts for everyday items. Also, be sure to check out our money-saving tips.

Now is the time to secure your financial future, for both you and your children. We’re happy to have helped you take the first step.