Save Money With These 8 DIY Home Decor Ideas

Trying to decorate your home on a budget? These 8 DIY decorations will not only give your house a makeover, they’ll save you cash at the same time!

This week I’m turning over the writing reins to a guest publisher. Angela from Zumper has an excellent post for you that is packed with fun projects you can tackle to update your home and make it a little more you. This topic is near and dear to me right now as we’re moving to a slightly bigger place and we’ll have plenty of wall space to fill up on the cheap!  PS. I also have a guest post over on Zumper on how to reduce pet expenses, so head over there and check that one out […]

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Why My Mortgage Isn’t The Enemy

In terms of debt, your mortgage is good debt. Find out why I think that and how you can use it to your advantage.

As you guys know, we recently bought a new house. And a new house means a new mortgage. And a new mortgage means debt. And debt is bad, right? Well yes…and no. If you can pay cash for something (and by that I mean charge it to your credit card for the points and pay it off stat), then you should. Paying the bank to charge to lend you money is a loss, there’s no arguing that. But very, very few of us would ever be able to afford to buy a home if we always stuck […]

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We Bought A New Home!!

We're moving! How we (unexpectedly) bought a new home and why is was the right decision.

If you follow me on social media, you may already know this, but I have some exciting news to share. The bf and I have bought a new house!!! We’re going to be packing up and moving a whole three blocks from our existing place to a house that’s more suited for the long term. To say we’re committed to the neighbourhood doesn’t quite do it justice. I’m thrilled about the new place but also anxious about the whole thing because it was completely unexpected. Our original plan was to potentially move or rebuild on our existing […]

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Canadian Mortgage and Housing Corporation (CMHC)

What Canadians need to know about CMHC and their mortgages.

If you own or are planning to buy a home in Canada you have likely heard of the Canadian Mortgage and Housing Corporation (CMHC). They are a crown corporation that is assigned the task of maintaining Canada’s housing market on behalf of the federal government. It has been around since 1946 and was initially created to help house veterans returning from WWII. While the creation and maintenance of affordable housing are still one of the mandates of CMHC, they have also branched out into insuring mortgages and developing policy. The reason we’re talking about CMHC today is […]

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4 Ways Clutter is Costing You (And How to Tackle It)

Reducing clutter is key to simplifying your life. Find out what it is costing you and how you can eliminate it for good.

Today I’ve got a fantastic guest post for you from Britt over at Tiny Ambitions. Britt is a minimalist, a simple living advocate and a tiny house enthusiast. So pretty much everything I’m not, which is why I’m so thrilled to have her input on the blog this week. Minimalism is something I’ve always been interested in but have never had much success pursuing. As much as I want to simplify life, I still like stuff. You might not be onboard with full-blown minimalism but there are factors that will be helpful for everyone, and reducing clutter is definitely […]

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Home Ownership Is Not Your Right

Buying a home is not your right but it can be attainable with hard work.

Owning your own home is the dream right? Even with the current bloated house prices and terrifying real estate market 86 percent of millennials still consider home ownership important. The problem? It costs a hell of a lot of money to buy a place. The average house price in Canada is sitting at $504,458 (as of June 2017), so even if you put down the smallest possible down payment, that is still going to be over $25,000. If instead, you want to avoid having to pay additional mortgage insurance to CMHC, you are going to have fork […]

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Interest Rates are Up, Up and Away

What you Need to Know About Rising Interest Rates

You’ve likely already heard that the Bank of Canada raised their overnight interest rates last week from 0.5% to 0.75%, but do you really know what that means and how it affects you? For the last decade, we’ve been living with historically low rates in Canada. This is the first time in 7 years that rates have gone up. If you’re a millennial like me, you’ve lived almost your entire adult life under these conditions, but that doesn’t mean it’s the norm. Take a look at the graph below; it was way back in 2008 when rates […]

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First-Time Home Buyer Blinders

Are you a first time home buyer? Learn how to avoid these 5 common mistakes.

Buying your first home is a HUGE deal! It’s an exciting, stressful and overwhelming time. And more often than not you will feel like you are in way over your head. I remember all too well the whirlwind of emotions throughout the buying process. As a first time home buyer, you want to enjoy the process but it’s also important to go in with your eyes wide open. It can be way too easy to make mistakes and get yourself into trouble. Buying your first home is so much more than just finding a house, getting a […]

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Why I’m a Downtown(ish) Dweller

Why I choose to live downtown instead of in the suburbs.

It might not look like it from the summery looking shot above, but winter struck Edmonton with a vengeance this week, and it doesn’t look like there is much relief in the near future. The one positive is that we got a little bit of snow, so everything is now white instead of brown, but that doesn’t nearly make up for having to suffer through -30 temperatures for the next week or so. I really hate the cold weather…I realize I’m not alone in this and that I did decide to plant roots here in Edmonton but […]

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So, Those New Mortgage Rules?

Canadian Mortgage Rules

There’s been a whole lot of chatter going on about the new mortgage rules instituted here in Canada, and I’ve finally had a chance to put pen to paper (fingers to keyboard more accurate I guess) and share my thoughts with you guys. The Stress Test Ok, let’s start with the most controversial change. The stress test comes into play for anyone who is getting an insured mortgage. What exactly is an insured mortgage you ask? It is when you are putting down less than 20% down and have to get the extra CMHC insurance. If you […]

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