On a chilly fall day, there is nothing better than a warm bowl of soup. Seeing as there have been flurries in the wind over the last couple of days...and it's only OCTOBER...soup and hearty fall dishes are going to be showing up more regularly on my dinner menu helping to ward off the chill.

Yesterday, after the first showing of snow, I was inspired to get out some fall decorations. After unearthing them from a long-forgotton box tucked away in the storage room, I realized when it comes to fall decorations, my options are pretty limited. I tend to keep things around the house pretty simple and clutter-free, so I don't get too carried away with specific holiday decorating unless it's Christmas. I did however stumble across this little gem of a fall quote, and think it would be really cute to write on a chalkboard or use as a wall hanging.

Anyways...back to the soup. This soup, in addition to being warm and hearty, is super simple and inexpensive to make, and doesn't require hours of preparation. Woohoo! ALERT: You will want to have a crusty bread to serve alongside this cozy little dish.

Recipe adapted from Food Network

HEARTY POTATO SOUP WITH CORN AND HAM | Yield: 6-8 servings | Total Time: 45-50 min.

INGREDIENTS:

1/2 stick butter
1 small onion, diced
2 medium carrots, diced
4 cloves garlic, minced
2 Tbsp flour
8 medium russet potatoes, peeled & cubed (about 6-7 cups - OK to substitute different types of potatoes)
4 C milk
2 chicken bouillon cubes, dissoved in 1/2 C hot milk
1 can corn
1 pkg ham steak, grilled or broiled, cut into bit-sized pieces
1 C half-and-half
1 tsp kosher salt
1/4 tsp pepper
1 tsp cayenne pepper
Cheddar, bacon bits, green onion or chopped dill for garnish

DIRECTIONS:

In a soup pot, melt butter and saute the onion and carrots for about 8 minutes, or until tender. Whisk in the flour and cook for 1 minute. Add potatoes, milk and dissolved bouillon cubes. Cook over medium heat for 25-30 minutes, or until potatoes are very soft. Meanwhile, cook the ham. You can follow package instructions and grill or broil to your liking. Add the half-and-half, corn, diced ham, salt and pepper. Heat through and serve with shredded cheddar, bacon bits and green onion or chopped dill for garnish.

What is your favorite fall soup?

Lessons on Building and Buying a New Home

Hello Lovers. I'm alive! No, I did not fall off the planet in the last couple of months as some of you might have thought. I have, however, been beyond busy with moving to our new casa on 'The LG' (a.k.a. Lower Gar to everyone who doesn't know what I'm talking about). In the last month and a half, I have had the privilege of unfortunate task of yelling at our contractor, dealing with not one, but TWO major gas leaks, and unpacking about 200 boxes on moving weekend without the help of T, who escaped to be on call ALL WEEKEND LONG. A BIG shout out to my mom for coming to help with some of the unpacking in his absence.

T & I on closing day. So excited to finally be able to move into our new home.

The boxes. T is trying to hide himself from having to help unpack!

LESSONS LEARNED | Home Building & Buying

1. We loved choosing all the finishes and personalizing our home to our own tastes.

2. We purchased a spec home (a residence built without a particular buyer in mind or under contract, but designed to appeal to the maximum market possible) at a very early stage of construction and then basically turned it custom. Our builder was very disorganized, and never once shared a list of allowances for the various areas of our home. Read: all those finishes and personalization we love so much = upgrades. We are very pleased with the end product, but there was a lot lost in translation when it came to budget.

Image via pinterest

3. Communication. There was a major breakdown when it came to communication between us, the builder, the listing agent, and the bank handling our mortgage. The builder, who I mentioned did not share the allowances/upgrades with T&I, also did not share them with the listing agent who draws up the final closing statements. Therefore, the bank was not aware of any upgrades until the very last minute causing a mad scramble to have our home re-appraised, and the mortgage revised to reflect the adjustments. SIDE NOTE: Our own personal realtor, Kirk Stauss of Stauss Realty was a delight to work with, and we would highly recommend using their services if you are in the market for a new home in the Iowa Great Lakes area. 

Another example of breakdown in communication. The week before we closed, we were forced to change several major items, including, but not limited to: all faucet and bath hardware, countertops, and carpet. Seriously. All of these items had been decided upon and shared maaaaany months earlier, so on top of everything else that seemed to be crumbling around that time, this was another major stress to add to the pile.

image via pinterest

4. Timeline. When we purchased our home...waaaaaaay back in April, our tentative closing date was July 31st. Yes. July 31st. July came and went, August came and went, and the greater part of September came and went. We finally closed on September 25 (hallelujah!), after what is quite possibly the most stressful few weeks of our lives to date. NO. JOKE.

Explanation: T & I locked in our mortgage rate waaaaay back in mid-June for 90 days. This should have been more than enough time for our contractor to get the job finished, buying him an extra month and half to finish after our tentative closing date. We immediately saw the cost-savings benefit to us as the interest rates continued to rise for more than a month after we locked in. However, that 90-day lock is pretty concrete. As time closed in on our 90 days, it became apparent that our builder was not going to finish the job. After a serious talking to, he agreed that our house should have been completed long before this became an issue, and ended up paying for the extension on our mortgage to keep our rate lock. Whew! (For any of you out there in this situation, know that you are able to get a 15 or 30 day extension on a 90-day lock, but you'll have to pay a percentage of your mortgage in order for this to happen.)

image via pinterest

Lesson: When building a house, ask for a general timeline of what will be happening when, and always ALWAYS have it written into your purchase agreement that if the agreed upon date passes, it is the builder's responsibility to pay any penalties.

Lesson: Confidence. Clearly state your expectations from day one. If you notice things aren't happening, call your builder and demand explanations. If you are tied into a specific timeline based on your mortgage rate lock, communicate this early and often.

Lesson: If purchasing a spec home that you plan to customize, require a list of allowances before signing anything. We asked multiple times for a list, and never received anything in writing regarding the allowances or where we were at with upgrades until closing day. Unacceptable.

Lesson: Ask around the community you live in for recommendations on local contractors. Ours does nice work, but has terrible management of subcontractors, has too many projects going at once, and has very poor communication.

Ultimately, building our new home has had many ups and downs, and we've learned many valuable lessons. We are happy it is finished, we are moved in, and finally able to enjoy our new home. Would we ever do it again? T's not so sure, but I think now that we have the experience under our belts we would be better prepared for next time...

Do you have any extra advice to add about home building or buying?