Homeownership and Safety


Recently, I wrote an article in CBC Hamilton about how people carved “die yuppie” on the sidewalk in front of my house. Clearly, the changes happening in the economy and real estate market in Hamilton, ON are affecting people. Many citizens feel that they are getting displaced and various of them are angry. I’ve heard my close friends talk about the break-ins and vandalism they’ve experienced and it never really phased me because I don’t really have anything worth stealing.

 

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James St N, Hamilton ON

 

With the hateful graffiti and the recent string of violence targeting new businesses near my house though, I am realizing I should step up the security in my house. Even though I don’t have stuff of value, I have a plan to get more outdoor lighting (like this copper lantern, or this Bronze Fluorescent Outdoor Wall Lantern) and maybe even a safety deposit box. I wouldn’t want to go through the hassle of replacing important documents if they got stolen so a small security box might do the trick!

I am also interested in getting a video security system but I always have a hard time buying technology since I don’t know what to look for. I found this fancy 960p WiFi Security System at Home Depot but I take months to decide on any purchase over $200 because I want to make sure it’s what I need.  I’ve also heard great things about the Nest products since they connect to your phone, but I really don’t know what to look for.

I’d love some help finding the right products. If you have any experience with securing your home or business, please let me know your suggestions 🙂

Read the full CBC article here 

 

 

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Celebrating My One Year Anniversary


On May 25th 2016, I walked into my lawyer’s office, signed a bunch of paper work, handed over a bank draft with all of my money and got the keys to my house.

It was a pretty surreal moment, though very anti-climatic. I did all of this on my lunch break so I had to get back to work and plug away.

The most powerful emotion I felt that day was relief.

I was relieved to have a place to call home.

I was relieved to finally be done house hunting.

I was relieved that I didn’t have to deal with house bidding (and losing) anymore.

And mostly, I was relieved to have a fresh start. 
Continue reading “Celebrating My One Year Anniversary”

How I repaid my $12,000 Homebuyer’s Plan in less than a year


On May 25 2016, I bought my house. I used my savings in my TFSA and RRSP, and learned a plethora of new terms very quickly. One of these terms was a Homebuyer’s Plan.

Essentially, these are funds you can use from your RRSP to purchase your first home.

Here’s the catch… you have to pay the Homebuyer’s Plan back within 15 years. At first, I was scared… how was I going to do this? I had a pile of bills, maintenance, renovation costs and a down payment I was going to have to pay and really didn’t know what I was getting into. My financial advisor said he knew I’d be able to pay it back in time but I was not so sure. Continue reading “How I repaid my $12,000 Homebuyer’s Plan in less than a year”

Saving for a down payment


Buying a house is not an overnight decision. For me, it took around 6 years of saving and financial discipline to have enough money for my down payment.

I don’t come from money. My grandparents were farmers and restaurant workers. Legit, my grandfather made tacos for a living.

My parents were the first in their families to finish high school. When we moved to Canada, they had to start from scratch.  Thanks guys.
Continue reading “Saving for a down payment”

Before you even buy a house #adulting


You might be thinking, woah, I am so far away from buying a house. That’s fine! If home ownership is a goal of yours, planning far in advance will save you so much trouble down the line.

Buying my house was such a rushed patch-job but it all worked out because luckily, I had all my ducks in a row. I had savings, I had time, and I had great credit.
Continue reading “Before you even buy a house #adulting”