Making the Most of the Outdoors During the Cooler Months

When the temperature drops, it is easy to retreat indoors until spring. But cooler months can offer some of the most enjoyable time outside, with crisp air, fewer bugs and fewer crowds. With a few upgrades and the right gear, you can keep enjoying the outdoors all year.

Turn Your Backyard Into a Year-Round Retreat

You put time and money into your yard, so why only use it half the year? A few additions can make outdoor spaces cozy when it is chilly:

• A fire pit: Few things gather people like a fire. Choose a wood-burning pit for crackle and ambiance, or a gas model for easy on-and-off convenience. Check local rules and HOA guidelines first, and keep it a safe distance from the house, fences and trees.
• Outdoor heaters: Patio heaters can extend evenings on a deck or screened porch.
• Warm lighting: String lights or lanterns make the space inviting once the sun sets early.
• Comfortable seating: Weather-resistant cushions and a basket of throw blankets go a long way.

Even a simple setup can become the family’s favorite spot for hot cocoa, s’mores, stargazing or a quiet morning coffee.

Explore Places in a New Season

Cooler months can be a wonderful time to visit parks, trails, beaches and campgrounds. Popular spots that feel packed in peak season are often peaceful, and you may find lower prices on lodging. Familiar places look different in a new season, too. Trees change, wildlife patterns shift and you may notice birds or animals you never see in summer. In colder regions, frozen lakes and snowy trails open up entirely new activities, from ice skating to snowshoeing.

If you enjoy camping, cool-weather trips can be a fun adventure, as long as you plan carefully with a sleeping bag rated for the temperatures and a solid weather forecast.

Dress for Comfort and Safety

The secret to enjoying cold weather is staying warm and dry:

1. Layer up: Start with a moisture-wicking base, add an insulating middle layer and finish with a wind- and water-resistant shell. Remove layers as you warm up so you do not sweat.
2. Protect your extremities: Hands, feet and head lose heat quickly. Gloves, a warm hat and good socks make a big difference.
3. Pack a spare: Bring an extra pair of socks. Wet feet get cold fast.
4. Change when you get in: Swap damp clothes for dry ones as soon as you get indoors.

Investing in Outdoor Living

If you are dreaming bigger, like a covered patio, outdoor kitchen or screened porch, your home equity may help make it happen. Learn about our HELOC option, and talk with a FLO Mortgage loan officer about turning your backyard into a year-round favorite.

This article is for general education and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and program availability. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity.