Once Christmas Day passes most of us quickly begin to look toward the new year and with that comes thoughts of changes that need to be made, new things to do and old things to say goodbye to. However, the number of people who actually keep their resolutions is low. Why is it so hard to keep a New Year's Resolution anyway? I have a few thoughts that I'll share with you, plus ways to make it easier to keep your resolution.

Always install your upper cabinets first, this way you aren't forced to lean over the lower ones when trying to work in tight spaces. Using a level, draw yourself a visible chalk line. When the cabinets are propped up on the wall, you will mount them by drilling into studs when possible. Never install your shelves or doors until the cabinets are on the walls, this reduces the weight you have to work with.

A digital camera or camcorder - There's nothing worse when getting back home to discover a certain feature or fault with the property you seen but can't remember how serious it was.

When decorating, utilize the 60/30/10 rule. The rule is 60 percent color of dominance, the secondary color should be 30 percent and an accent color should take up 10 percent. The easiest way to ensure you have the correct color is to use your dominant color on your walls, use the secondary color on your upholstery, and your accent color for accessories.

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Even though your kitchen floor looks level to the naked eye, be sure to use a level when installing shopping websites for women. Start from the highest point on your kitchen floor and set a benchmark line across the length of the wall that the cabinets will be installed to be sure that your counters will be level once installed.

If the borrower defaults, the government steps in and pays the guarantee. This makes it easier for lenders to write mortgages they would otherwise refuse.

When you are planning a White Plains kitchen remodel project, do not limit your upgrade to just flooring, cabinets, doors, fixtures and windows. You will also have to replace your appliances. Stainless steel is currently quite popular.

A reverse mortgage is a different type of home loan that allows for you to change part of your home equity into cash. This money can go towards your current mortgage, home renovations, retirement, or healthcare expenses. With this type of mortgage, you can get some extra cash without having to sell your house, take out a loan, or have to pay any additional monthly bills. Still not sure what exactly it is? In a regular type of mortgage, you have to pay monthly bills to your lender, but in a reverse mortgage, they pay you tax-free. Yep, you read that right. They can pay you part of your home equity so you can have some extra cash, and you can still live in your home. The money will have to be paid back at some point, like when you sell your home, have a different primary residence, or die.

Long before you pick up a hammer you need to sit down and decide what you want out of the renovation. Just like any other area of your life, if you don't know where you are going, you can't get there.

Once you have finished stenciling, allow your work to dry. Wash your paintbrush and dry it off. Lay your paintbrush flat to dry. Once the brush is dry, store it in the plastic sleeve that came with it, if possible, and allow it to hang vertically so it will remain good as new and ready to stencil at a later date. You now have unique and gorgeous kitchen cabinets you can be proud of. You can do the sides, the doors, add borders, etc. The look you make is gloriously, entirely up to you. Happy stenciling.