We’ve come a long way as consumers, checking in with experts, perusing online reviews, obtaining home inspections and disclosure forms and generally doing our homework on a prospective new house till it hurts.

We should also take that same heightened level of due diligence when it comes to issues that affect the environmental aspects of our homes. How eco-friendly are the appliances, for instance? Has the house had any infestations of mice, rats, cockroaches, termites and other unwanted pests? How well is the attic insulated?

While these may be the dull and dreary facts of home ownership, you’ll be a much more well-informed and prepared homeowner if you go in with your eyes wide open. The following are a number of energy-related considerations you should keep in mind when inquiring about your next new home:

Windows & doors 

As a home ages, so do its windows and doors. There are temporary fixes you can employ but bear in mind that they will not solve your problem permanently. Naturally, dual-paned and triple-paned windows are especially effective at keeping in warm and cool air. R-value or resistance value is also important to note.

Insulation 

The higher the R-value of your insulation the better it is. According to the Canada Mortgage and Housing Corporation, you should look for signs of poor insulation such as cold floors and walls in the winter and hot inside air in the summer. Common types of insulation include spray foam, mineral fibre and fibreglass.

Lots of glass windows and doors 

The views and the setting might be spectacular especially as viewed through all those very large windows and glass doors, but know that living within a all that glass comes at a cost and that will be high energy bills.

How exposure affects energy conservation 

Where your house is positioned in relation to the sun, wind and landscape has an impact on its energy efficiency. It’s said that the best direction for energy conservation is for your home to face either south or east. Each of these exposures gets a significant amount of sunlight, which will help with heating costs come winter.

What age are the home’s big energy consumers

Pay close attention to the big energy users in the home such as heating and cooling systems, which account for nearly half of a home’s energy costs. If they are leaving behind appliances, find out their age. How old is the water heater?

Sources: www.houselogic.com, www.globalnews.com, www.homeguides.sfgate.com, www.chooseenergy.com

You may have pooh-poohed the notion of trying to create and maintain an eco-friendly garden largely because your wee patch of grass is so, well, wee.

Don’t let size dictate your decision to use genetically modified seeds or harmful lawn chemicals. Remember that every little bit helps. Your efforts will contribute to the reduction of greenhouse gas emissions and encourage the absorption of carbon dioxide by soils and plants which lessens the effects of global warming.

With that in mind, let’s address the old concept of recycling. Yes, you can recycle and reuse a host of items that will make your outdoors look like it came from the pages of a magazine. Here’s how:

Everything old is new again

You’ll need a little time and ingenuity with this point, but the pay-off will be well worth it. Scour antique and junk stores, out-of-town flea markets and garage sales for old tin laundry buckets, terra cotta pots and hand-made bricks. These items will add a distinctive ambiance to your gardens, infusing your outdoor space with colour, interest and charm.

Check your kitchen

As one of the most-used rooms in our homes, the kitchen also contains a lot of stuff. Look here to recycle and reuse materials for your lawn and garden.  Reuse your recycled egg cartons to create seedling starters. Their shallow depth makes them the perfect vehicle to start plants from seed.  Try to place in a south-facing window. The same effect can also be done with plastic lemonade containers that are recyclable.

Use old wine and beer bottles, especially the prettier blue and green ones, to make water planters.  Place water in the bottle then a cut stem and you’ll eventually see roots growing in the water. You can also try wine bottles planted upside down as an edging material. Warning: you will need a lot of bottles.

Outdoor furniture

Tired of that patio set you’ve had for years? If it’s metal and you still like its shape, why not consider a fresh coat of paint. That can definitely breathe new life into something old. But if that won’t do try selling it or giving it away. If your furniture is plastic, you may have a harder time recycling it. Check to see what type of plastic it is.  It’s unlikely your curbside recycling will accepts the furniture, though a larger recycling facility might.

Old wood materials

Try building a compost bin from old pallets. Simply arrange the pallets on their sides and attach four of them together with ropes or wire. The gaps in the pallets are okay as a compost pile needs air to develop.

The other neat thing you can do with pallets and old wood such as scaffolding planks is build a raised garden bed. As we age bending over to tend to gardens can become difficult so installing a raised bed on sawhorses is ideal. Don’t make them super large as the soil will make them too heavy. These raised beds are ideal for plants with shallow roots such as lettuces and herbs.

There are plenty of ways to employ the 3 Rs outdoors this summer. Use your imagination and get your family in on the plan. Eventually you’ll attract more bees and butterflies to your outdoor space and you’ll wonder why you didn’t consider the 3 Rs sooner.

Sources: www.earth911.com, www.growveg.com

It’s too bad winter snow and ice and its accompanying wrath don’t provide for a beautiful landscape once temperatures warm and melt away all signs of winter.

But that would be the stuff of fantasy. Unfortunately, most of our gardens and lawns look pretty sad at this time of year with dead and dried foliage, unkempt lawns and dirt in places where it shouldn’t be.

With springtime upon us and Earth Day right around the corner on April 22, let look at ways to do a spring clean-up without further harm to the planet. The following are suggestions on ways to tidy your property without destroying the natural cycle of nature and biology.

Remove dead leaves

This may be the most obvious springtime chore since brown and dried leaves aren’t the prettiest but don’t be too hasty with your rake. Did you know that that curled up vegetation is the perfect little home for plenty of creatures and beneficial bugs? Pollinators such as ladybugs and butterflies like to overwinter in leaves so give them a chance to wake from their winter’s slumber. All manner of eggs and pupae can be found lurking in dead plants, shrubs and leaves. Go easy before cutting and discarding and wait till temperatures hit about 10 degrees Celsius.

Be smart about…everything 

Planning a new garden this year or hoping to add some turf where none existed before? Maybe you’re thinking of adding mood lighting in an effort to impart some extra ambiance to all of those outdoor barbecues you enjoy hosting? Or perhaps you’ve decided it’s time to chuck the old sprinkler in favour of a new-fangled device. There are smart choices you can make in all three scenarios. For your lawn and garden, try selecting low-maintenance plants and flowers. They use less water.  Your lighting should be LED or solar because they last longer and offer the most energy efficiency.  Invest in a smart timer that allows you to operate your sprinkler from anywhere. Smart timers automatically respond to weather conditions so no need to manually turn off your sprinkler when it rains.

Compost it 

Your waste is a beautiful thing to waste so stop throwing it away. Start composting. This allows you to recycle materials and kitchen scraps that would otherwise land in the landfill heap.  The list of acceptable materials is a pretty long one: grass clippings, coffee grounds, sawdust, newspaper and food scraps are just a few. Composting also lets you reduce soil erosion, increase the moisture in your soil and enhance nutrients in lawns and gardens.

Let it grow 

Keeping your grass a bit on the longer side is best for helping it withstand drought conditions during hot summer months. Another added benefit to this is roots grow deeper and lawns get thicker resulting in fewer pests, less disease and less need for chemical intervention.

Sources:  www.augustagreen.ca, www.angieslist.com, www.rd.com

Take a closer look in the corners and crevices of your home and you’re apt to see all manner of creepy crawly critters.

According to a CBC television report from July, 2018, the average Toronto house has 112 distinct insect species scurrying about it walls, basements and rafters. The Great Wild Indoors, which aired on the Nature of Things, chronicled a team of bug experts aka entomologists who explored a typical Toronto house in search of insects. What they found was pretty typical.

And even though Toronto homes are on par with their U.S. neighbours in terms of the quantity of critters, that doesn’t make enduring them any easier. Let’s take a look at some of the more offensive ones:

Bed bugs:

These small, oval creatures are flat and brown, though they turn a red-blood after feeding. They live inside electrical outlets, mattress seams, sofas and baseboards. Although bed-bug bites rarely result in serious medical concerns, their presence wreaks psychological havoc, causing anxiety, depression and sleep deprivation.

Because bed bugs transfer so easily be sure to inspect second-hand furniture that is coming into your home. Also use mattress covers on your mattress and box spring to eradicate their hiding spots.

Cockroaches:

These hated pests range in colour from light brown to almost black. These nocturnal insects sleep in crevices and cracks during the day and come out at night to search for food. They can be found anywhere in your home or in warm, damp areas. Cockroaches don’t bite or cause structural damage to your home, though they are known to spread disease.  To prevent cockroaches, keep dark and damp areas in your home clean, especially those close to food sources. Dispose of your garbage every day. Wash dishes immediately after use.

Termites:

Damage by these bugs is typically not covered by insurance. These secretive insects are difficult to identify, though often compared to ants. Often a homeowner only becomes aware of termites by seeing the damaged they’ve done. In spring, you may see small flying bugs, which leave discarded wings. Look for floors that sag and blister, unexplained cracks in walls, ceilings and cornices, sticking windows and doors and mud tubes outside your home.

You will never eliminate all bugs but you can help discourage them from finding a home in your house. Here are some general ways to deter pests:

• Keep your home free of clutter.
• Clean kitchens and bathrooms regularly. Pests are attracted to warm, damp places or places where food is available.
• Vacuum regularly under rugs and beneath furniture.
• After travelling, check luggage carefully for the spread of pests.
• Seal cracks and crevices with caulking and ensure that windows and doors are weather- proofed.
• Avoid picking up mattresses and furniture from uncertain sources as bugs might hitchhike on them.
• When receiving deliveries of furniture, check the packaging. For mattresses, ensure the mattress comes wrapped in plastic to avoid the spread of bedbugs from the transport truck to your home.
• Store foods in sealed plastic or glass containers in kitchens.

Sources: www.torontotenants.org, www.pestend.ca, www.pesthow.com

Hiring your best buddy or favourite cousin to sell your home might sound like a no brainer. But you really need to examine your relationship and your own personality before signing on the dotted line.

When it comes to close friends and family members who are professional realtors versus engaging an agent you haven’t worked with you really have to know yourself,  what you’re willing to tolerate, whether you’re comfortable sharing your financial information with a friend or relative and how truly honest can you be.

Whether you hire your friend or decide to go with a realtor you don’t know, you run the risk of hurting your relationship.  Not selecting them is likely to hurt feelings and that may have a lasting impact on your relationship. Hiring them and finding fault with their conduct and ways can have the same impact. It’s kind of a no-win situation so you have to know yourself well and know what scenario you can most endure.

Clearly, there are definite advantages to taking on someone you know. The level of trust you already share is understood and established. There’s no need for awkward small talk and cliché platitudes allowing you to get straight down to business. Appreciation and compassion also come into play as your realtor/relative/friend will likely be extra grateful that you selected them and will hopefully return their appreciation with above-and-beyond service. Hiring a friend or family member could also benefit you financially if that person is willing to give you a break on their fees.

But there are definite drawbacks to hiring someone you know. Your friend or relative begins their relationship with you with a bias and that can lead to problems. Will your close friend tell you the colour of your front door is hideous and may possibly be a turn-off for prospective buyers? Will your cousin point out off-putting food smells that lingered during the open house? There’s a good chance that because these people love you, they don’t want to hurt your feelings so they overlook certain faults or justify them as trivial or unimportant. You want an agent who can be brutally honest with you and whose main goal is getting you the top dollar for your property.

That close friend or relative may also think they know what you need better than you do. They’ve heard you long complain about your noisy neighbours and they know the ideal property on a quiet street. The catch? The house is $50,000 over your budget. A professional realtor wouldn’t likely assume they know what’s best for you by throwing financial caution to the wind.

There are plenty of hot-button situations that can arise when buying and selling real estate and some lead to awkward, uncomfortable and sometimes heated conversations. Otherwise simple matters turn into emotional issues and dealing with a friend or relative can exacerbate the issue. A professional realtor can cut through the feelings and is more apt to focus on the business at hand: selling or buying your home.

Toronto has an abundance of neighbourhoods, some 240, unofficially in all, and knowing which neighbourhoods are on the verge of real estate glory can be somewhat of a challenge.

But there are pointers to look for and this blog will examine that as we explore ways in which buying real estate in the GTA is still possible even for the budget conscious.

Up-and-coming neighbourhoods or those on the cusp of being the next hot real estate pocket often start out as ugly, rundown districts bereft of the badges of gentrification such as young families and thriving commercial activity. Some are former industrial areas. The homeless or people living on the fringe reside there.  Others are just old, outdated and untended neighborhoods that could use an injection of charm and vitality.

About 15 years ago, that was what buyers thought of about Leslieville, Toronto’s tony east-end neighbourhood now known for vintage furniture shops, film studios and cafes. The then derelict neighbourhood needed more than a little TLC. Today, Leslieville real estate prices have reached those of Riverdale and the Beaches.

If you’re looking to get into the Toronto real estate market and have limited means searching out these neighbourhoods might be the place to start. Here are a few signs to watch for:

Following the operations of big-brand retail and foodservice chains such as Starbucks can assist you in determining whether a neighbourhood is worth investing in. The appearance of these often international brands is a barometre for a neighbourhood’s upward evolution. These commercial entities typically do their homework before committing a storefront so their appearance or the announcement of one is a solid sign that your neighbourhood is improving.

The big benefit to either moving into or investing in a neighbourhood on the rise is that if you get in early enough there’s money, sometimes substantial money, to be had.

The first step is to pick a neighbourhood that will gentrify in five to eight years. To do that, look for the early signs of improvement such as people moving into the side streets, fixing up their homes, and adding curb appeal.  Once that happens, the neighbourhood’s commercial district follows with the opening of lively looking cafes and shops. Keep in mind that established gentrified neighbourhoods often border emerging neighbourhoods.

The second pointer is that the neighbourhood must have some redeeming features. Curb appeal is critical. Victorian era homes are a good example of this. Their charm will appeal to younger buyers who often fuel the improvements in an emerging neighbourhood. Try to avoid neighbourhoods with unrelated housing styles that are rundown. That type of neighbourhood will have difficulty making the transition.

The third factor in trying to determine a neighbourhood ripe for improvement is to keep an eye on urban areas near main arteries that are close to transit. Naturally, you will also want to consider schools in the area, restaurants and shops, how walkable it is and other demographics, from household incomes, languages spoken and family types and sizes.

The demand for a three-bedroom home is still a strong one but many homebuyers are now drawn to two-bedroom dwellings thanks to changing lifestyles that rethink the traditional way we look at housing.

There are plenty of reasons that go into deciding if you require a two- or three-bedroom residence and often affordability, convenience and ease-of-use factors play a big part. Where you are in the life cycle might be a first question you want to ask yourself. Do you have young children who will inevitably outgrow the coziness of sharing a bedroom at some point? Are you an empty nester looking to take long and expensive trips so less house means fewer headaches and expenses? Maybe you are just starting out so budgeting and economies of scale are top of mind. A smaller home would definitely fit the bill.

It’s true that three-bedroom homes are the most desired, according to the National Association of Realtors. Actually, it’s three bedroom homes with two-bathroom dwellings that appeal to the largest numbers, which are families with one or two kids still living at home.

So it’s a pretty safe bet that if your home comprises two bedrooms only it won’t be highly sought after by couples looking to start a family or those who already have children. That third bedroom harbors a lot of power within our mindset. Often it holds hopes and dreams to act as a den or office, as a guest room for visiting family members and friends or perhaps as a play room for little ones.

But homebuyers come in all shapes, sizes and preferences. And plenty are not looking to add to our population numbers. Often they are professionals who have disposable income thanks to the absence of children and frequently they are looking for features that offer luxury and comfort.

Transforming that unused third bedroom into a grand spa bathroom complete with steam shower, heated floor, oversized tub and dressing space might be just the answer for childless buyers looking for a little self indulgence.

Not only will you get to enjoy the comfort of a luxury bathroom while living there, but when the time comes to sell, there will be plenty interested buyers who feel the same way.

There’s no need to let the myth of having a third bedroom get in your way, especially if you have upscale features that make up for the difference.

There’s no time like the present to be an advocate for living in smaller spaces.

Minimalism is trending like never before and home de-cluttering organizers are the balm for our over- consumerized soul. Look at the popularity of Marie Kondo, the Japanese organizing guru whose books have sold millions around the world and who has a popular Netflix series about how to live better with less.

At some point in our lives, we will likely need to live in spaces that are smaller than what we’re accustomed to. Maybe you’re faced with downsizing and selling your four-bedroom for a two-bedroom condo? Perhaps you’re a single professional looking to get into the real estate market? Or maybe you’ve experienced job loss and a reduction in income that necessitates a less costly living space? Change is seldom easy so let’s consider ways to make the transition a bit smoother:

Keep it tidy:

Smaller spaces get dirty and cluttered much more quickly than bigger spaces. Spend time thinking about ways to organize your new home so that it looks comfy without being messy. Everything should have a home, preferably out of sight, though this isn’t always possible. Consider your walls as they often don’t get used enough for storage. Use pegboards, shelving and the many customizable racks for storage as well as display purposes.

Lighten up:

Always been a fan of furniture that is big, heavy and weighty-looking? Time to change it up. Overstuffed sofas and chairs will overpower your space, making your lay-out look cramped and overwhelming. Go for lighter styles such as coffee tables and chairs that show off their legs. That results in the illusion of more space as the look is more orderly and light. Consider multi-functional furniture, a coffee table that doubles as a dining table and wheels on tables and seating so they can be easily moved out of the way. And watch what colours you choose as a lot of dark shades may also work to overpower your space. Same goes for window coverings and paint.

Change the scenery:

You may experience cabin fever in your new smaller digs. Find places outside your home that offer you comfort, joy, amusement and peace. Is that favourite coffee shop with the Zen vibe a place you like to linger and people watch? Do you get a kick from observing the fast twists and turns performed at your local skateboard park? Or maybe your thing is a comfy chair and the kind of quiet and solitude that befits your local library?

Sources: www.apartmenttherapy.com, www.bhg.com, www.freshhome.com

January is the perfect time to do a review of your finances. It’s a good idea to devote some time this month to looking over previous expenses and earnings, both expected and unexpected, to determine how last year’s pattern may or may not shape this year’s.

That said, January is also prime time to get our financial house in order. Since your mortgage is likely your biggest and most long-term expenditure, let’s look at how we can support paying it down while covering all the other substantial expenses – retirement, vehicles, children’s education — that life throws our way.

Start with a budget

You need to take a long, hard look at your finances. You should know where most of your money, some of your money and a little of your money went last year. Do you know, for example, that 10 per cent of your net earnings went to local restaurants? Are you wasting money on gym memberships and other services that are rarely used? For one month, save every receipt received by you and those in your household. Include charges to credit cards and automatic withdrawals from bank accounts. What you’re spending your hard-earned cash on may surprise you at the end of 30 days.

Make a game plan and be specific

It’s important to specify what exactly you want to do with your household finances – save for retirement, save for the kids’ education, save for a vacation. We can all say let’s save more and spend less but without a specific and realistic amount to shoot for, you’re likely going to fall short. Can you afford to plunk down an extra $500 a month on your household debt? Is that realistic? There’s no point in earmarking numbers you can’t maintain. Perhaps $200 works better.

Consider automatic payments

So you want to save for a big European vacation three years from now? Set up a vacation fund and have your bank withdraw automatic payments each month. The same goes for a retirement fund or savings for your child’s post-secondary education.

Don’t spend, save instead

This is much more difficult than it sounds. Try to commit one day a month or week even when you don’t spend a dime. Bring your lunch to work, watch Netflix with the kids and cook dinner from what you find in the fridge and freezer. This could prove to be a fun and eye opening exercise for the whole family.

Look at your mortgage

Since this is your largest outlay, try paying it down quicker, if you can. Bi-weekly payments pay down your mortgage debt much faster than monthly payments. Another painless method is to round up your payments. So if you’re paying $667 every two weeks round up the payment to $700. You’re not likely to notice the extra $33 but your mortgage will. If you inherit or win money consider plunking it down on your mortgage. Use your raise at work or your annual tax refund to help pay down the principal of your mortgage. Most lending institutions allow you to make an extra mortgage payment per year that is applied directly to the principal. Even seemingly small amounts can add up to big savings.

Sources: www.ratesupermarket.ca, www.capitalmortgages.com, www.canadianliving.com

Condo amenities and condo fees are a funny thing. Since one very much depends on the other, you need to be mindful of what features you really need because it’s easy to get sucked in by splashy features that sound like they will improve your life.

Does the notion of star gazing each evening from a 30-storey observatory platform appeal? How about mini putting? Maybe you would like access to a communal dog grooming salon where you can wash your Doberman after a muddy walk? Perhaps shooting hoops on a basketball court would do?

Developers are continually looking to up the ante on their development’s amenities in an effort to market their condo buildings. While some might say an outdoor TV-viewing area is a bit much, others might be pushed into buying because they think that’s the best feature ever.

The point is these amenities have to be paid for, as does the maintenance of them. As your condo ages, expect your fees to rise in an effort to cover the cost maintaining declining amenities such as hot tubs and swimming pools. If you’re not a swimmer or a hot-tub soaker, you may decide that paying for those features is not worth it.

Condo fees are nothing to sneeze at. In fact, next to your mortgage payment, they are likely your next biggest expense in owning a condo. According to Condos.ca, the average condo fee in Toronto in 2017 was 65 cents per square foot. On a 1,000 square foot condo that comes to $650 per month. Condo fees in the city naturally vary and can drop as low as 50 cents per square foot to as high as $1.

Though condo fees also cover other expenses of condo life such as some or all of the utilities and the building’s reserve fund, there are some developers who take a different approach. One reportedly surveyed and then listened to residents on how they wanted to use the spaces. Others say developers here should model after their European counterparts who offer amenities that might be described as no frills.

While Zen gardens, yoga studios and squash courts sound tempting, you need to think long and hard as to whether you would actually use them. Know what you realistically will use. Understand the difference between the must-haves and the nice-to-haves.

Sources: www.condoessentials, www.ratehub.ca, www.globeandmail.com, www.condo.ca