Uncertainty in the economy has a way of creeping into every part of our lives—including our homes. Whether it’s rising interest rates, unexpected job changes, or fluctuating costs, many homeowners are wondering how to prepare for what’s around the corner. The good news? A few proactive steps can go a long way in protecting your home and peace of mind.

1. Build an Emergency Fund

If you haven’t already, aim to set aside at least 3–6 months of living expenses. This cushion can help cover your mortgage, utilities, and essentials if your income suddenly changes. Even small, consistent contributions can add up over time.

2. Review Your Mortgage and Expenses

Now’s a great time to revisit your mortgage terms. Is it fixed or variable? When is your renewal date? If rates rise again, knowing what to expect and budgeting for potential increases can help you plan ahead. Also review your monthly expenses—are there subscriptions or costs you can reduce or eliminate?

3. Stay on Top of Home Maintenance

It might seem counterintuitive, but staying ahead of repairs can save you money in the long run. A small leak now can become an expensive problem later. Make a seasonal checklist and tackle things proactively.

4. Consider Flexibility Options

Some homeowners look into a line of credit, like a HELOC (Home Equity Line of Credit), while they’re still in a stable financial position. It doesn’t mean you have to use it—but having that option can give you breathing room if needed.

5. Talk to a Trusted Advisor

Whether it’s your mortgage broker, financial planner, or a local real estate expert, having someone who understands your situation can help you make informed choices. You don’t have to wait until things feel urgent—planning now means fewer surprises later.

Even in uncertain times, preparation puts you back in the driver’s seat. If you’re wondering what this looks like in your specific situation, I’m happy to talk through your options and help you make a plan with the right people that protects your goals—whether you're thinking short-term or long-term.

Fall into home maintenance this September & October! As the leaves change, it's the perfect time to prep your home for the cooler months ahead. From checking your fireplace and chimney to closing up hose connections and windows, these tips will help you cozy up safely and efficiently. And don't forget your outdoor greenery—give your plants and trees a little TLC to help them through the winter.  Here's why:

1. Check and clean your fireplace & chimney
Regularly cleaning your fireplace and chimney enhances safety by reducing the risk of fires caused by creosote buildup. It also improves heating efficiency, allowing for better airflow, and enhances indoor air quality by preventing harmful gases and smoke from entering your home.

2. Clean your oven range hood filter
Cleaning the oven range hood filter helps prevent kitchen fires by removing grease buildup, while also improving ventilation to effectively remove smoke, odors, and steam during cooking. Additionally, a clean filter allows the range hood to work more efficiently, reducing energy consumption.

3. Clear leaves from the eavestroughs (gutters)
Clearing leaves and debris from your gutters prevents water damage to your home’s foundation and roof by allowing proper drainage. It also helps avoid the formation of ice dams in winter, which can damage your roof and gutters, and protects your landscaping by preventing water from pooling around your home.

4. Check your roof for signs of wear or damage
Inspecting your roof for damage helps you catch small issues early, preventing costly repairs down the road. Ensuring your roof is in good condition also protects your home from water leaks and harsh weather, while extending the roof’s lifespan and saving money in the long term.

5. Close the outside hose connection
Shutting off and draining the outdoor hose connection prevents water from freezing in the pipes, which can lead to bursting and expensive repairs. It’s a simple way to avoid winter plumbing issues while also conserving water.

6. Close your windows and skylights
Properly sealing your windows and skylights before winter improves energy efficiency by preventing drafts and keeping warm air inside, which reduces heating costs. It also helps maintain indoor comfort and prevents moisture buildup, which can lead to condensation and mold.

7. Clean and reactivate your heat recovery ventilator (HRV) if turned off for the summer
Reactivating your HRV improves indoor air quality by circulating fresh air while removing stale air, reducing indoor pollutants. It also helps control humidity levels, preventing moisture buildup and mold growth, while capturing heat from outgoing air to reduce energy costs.

8. Prepare your outdoor plants and trees for winter
Preparing your outdoor plants for winter, through pruning, mulching, and covering sensitive plants, protects their health and ensures a strong start in spring. Proper tree maintenance also helps prevent branches from causing damage to your home or power lines during winter storms, reducing the need for extensive maintenance in the spring.

Reach out to me anytime for more tips on maintaining your home's value and appeal. Let's make your home goals happen together!

These days, people are more environmentally conscious. When it comes to their homes, that often starts with being more thoughtful about heating and cooling so they’re consuming less energy. With that in mind, here are some tips for making your home more eco-friendly:

1. Install a smart thermostat. Modern thermostats come with various features that help you manage heating and cooling, so you use less energy. For example, you can program a thermostat to adjust temperature during the workday and then turn on heating or cooling an hour before you get home.

2. Take advantage of non-peak times.  Many utilities (electricity, water, etc.) offer price breaks at non-peak periods. For example, washing your clothes later in the evening might reduce your water bill. Ask your utility providers about available price-saving programs.

3. Buy energy-saving products.  A wide range of products are available to help you lower energy consumption, from shower faucets to kitchen ranges. The next time you’re shopping for an appliance or fixture, ensure it has eco-friendly features.

4. Replace worn insulation. A one-inch crack in window insulation can cause your home’s HVAC system to work harder. That’s why experts advise that you check the insulation around doors and windows once a year and repair or replace it where necessary.

5. Manage passive heat. It’s no surprise that a window letting in the sun will make a room warmer. So, take advantage of this free energy source. Let sun into rooms on cool days, so your furnace doesn’t have to come on as often. Do the opposite on hot days.

I’m well-connected in the local home industry. If you need any advice or recommendations, call today!

Living in a decluttered home will definitely improve your life. Here are some tips on how to do it free and easy!

Start small and stay consistent
Start with one closet or area and get it completely decluttered. Chances are acknowledging your accomplishments will give you the energy to tackle your next area. In no time you will have a clutter free oasis and an improved lifestyle.

Have a sorting method
Sometimes we ruminate too much over what to keep, toss and donate. Don’t get bogged down into too much time spent wondering what you want to keep. Here is an effective rule of thumb that will help you make decisions quickly: keep the items that you have used in the last three months and items you consider heirlooms or keepsakes. Tackle each area by placing each item in your hands and ask yourself these simple questions, “Do I still use this item? Is this item an heirloom or keepsake? Is the item in usable condition? Would someone else use this item?” Keep all items you still use and value. Toss items that are unusable, soiled or broken. Donate all good condition items you do not use. Once you have mastered this sorting method, you will be shocked how easy it is to get your spaces clean and organized.

Donate
Once you have returned all your usable items, keepsakes, and heirlooms back to their storage areas, it’s time to donate. If you haven’t already, simply put all these items in sealed cardboard box or bag and label “Donation”. Some organizations like Diabetes Canada will pick up clothing & small household items donations free of charge. All you have to do is schedule a pickup. It is that easy! Improving our lives and the lives of our family, friends and community is a worthwhile and joyful journey. Start your journey today!

I always say this: updating your light fixtures is one of the best ways to make sure your home makes a positive first impression. Keep in mind, the light fixture must be the right proportion for the room. How does one make sure of that? Well, there are some general rules.

Rule #1: the size of your ceiling fixture should be equal to the sum of the room size.

Say what???

For example, if your dining room is 12 feet by 12 feet, the width/diameter of your fixture should be around 24 inches, to produce a good visual effect.

In a foyer with extra high ceilings, the fixture can be 2-3 inches larger to compensate for the fact that the height will make it look smaller.

Rule #2: With standard 8 or 9-foot ceilings, stick to a flush mounted fixture. If your foyer is 2-storey high, you can definitely go with a hanging chandelier… which brings me to the next topic: how high/low should you hang your light fixtures?

In a foyer, the bottom of your fixture should hang at least 8 feet above the floor or even higher if you have 2-storey ceilings or if there is a large window above the entry door. In the latter case, make sure the chandelier is vertically centered in the window so it can be seen in its entirety from the outside of your home.

In your dining room, the bottom of the chandelier should hang 30-36 inches above your table. You can play within that range, depending on how tall your chandelier is.

Don’t forget to make sure that the style of fixtures you choose remains consistent throughout and matches the overall feel of your home. A crystal chandelier might look out of place in a chalet style home.

Home insurance seems to be getting costlier every year, with basic premiums continuing to rise as more homes are exposed to added risks attributed to extreme weather events, accidents, vandalism, and outright theft.

This leaves homeowners in a difficult situation, but there are things that can be done to help ease rising costs.

First, examine your current policy and talk to your agent/broker about your coverage and premiums. You might, for example, agree to increase your deductible to decrease premiums. Meanwhile, you may also be eligible for discounts, based on client profiles such as bundled policies (e.g., auto & home), claims history, and payment punctuality.

Other discounts may be available based on steps taken to protect your home from potential damage, such as installing a backflow valve or sump pump. Or, you may qualify for lower insurance rates if you have recently improved your home’s structural integrity, such as its foundation or roof. Your policy premiums might also benefit from other investments in your home’s infrastructure, like upgrading your heating, wiring or plumbing, or installing a centralized fire and security system. You’ll need to determine whether the cost of these improvements will be offset by lower insurance premiums over a reasonable period of time.

There’s no doubt about it. Preventing mice from entering your home is much easier than evicting them once they’ve moved in. If you take just a few simple precautions, you can avoid the trip to the store to buy traps or the call to the exterminator.

Here’s what the experts recommend:

• Trim back tree branches that are within two feet of the siding or roof. Mice can jump horizontally as far as 15 inches.

• Make sure weather-stripping on doors and windows seal tightly. Mice can easily squeeze through weak spots and gaps, especially where stripping meets at a corner.

• Don’t leave open packages of any type of food — birdseed, apples, etc. — in the garage. That’s like telling the mice, “The buffet’s open!”

• Inspect the outside of your home and look for evidence of mice near walls, doors and windows. Look for mice droppings, which look like black rice.

• If you see a mouse outside your home, don’t shoo it away. Instead, watch where it goes. The mouse might show you how it’s getting in.

Taking these precautions will significantly reduce the chances of mice becoming unwanted guests in your home.

Is it really possible to improve your kitchen’s look for about the cost of a gourmet dinner with the family?

Obviously, you’re not going to be able to do anything major, such as replace the cabinets within that budget. But there are many surprisingly low-budget ways to spruce up the kitchen. Here are a few ideas: 

• Do you have old cabinets? You’d be surprised how much newer they can look simply by replacing the knobs and/or handles. Pick a colour that blends, rather than contrasts, with the cabinets. 

• Does your sink have a few stains? That’s not unusual! There are special cleaning products available to get out the toughest stains without damaging or scratching the sink’s finish. 

• Lighting can have an enormous impact on the look and feel of a space, particularly the kitchen. Experiment with new lighting ideas. Try different bulb wattages and choose the right color that is the closest to natural light, like 2700 or 3000 kelvins. Consider a new lighting fixture that looks good and distributes the light more pleasantly. 

• Often you don’t need to upgrade anything – you just need to do a little redecorating. Consider new window coverings like shades that give you privacy but still let the light in. Declutter to create a greater sense of space. Play with such design touches as placing trendy cookbooks on the counter, adding a plant, or putting an attractive fruit basket on the counter. 

Sure, depending on your choices, some of these ideas may cost you more than a few hundred dolars. However, any of these low-budget improvements can make your kitchen look considerably more attractive. 

You’ll notice the difference. And, if you’re selling, so will buyers. 

As you may know, a fresh coat of paint is an inexpensive way to make your home look great to buyers. But, what if you don’t have time to paint the entire place? Here are three areas you should prioritize—and one you can potentially ignore. 

1. Rooms with bold colours 
A red bedroom and orange walk-in closet likely won’t appeal to everyone! Replacing personalized colours with a neutral colour scheme will present buyers with a “blank canvas” to which they can add their own personal touch. 

2. Kitchen 
When buyers view your home they linger in the kitchen, which makes it a key selling point. A new paint job will instantly make the space look cleaner and more inviting. 

3. Interior doors 
These become worn due to being touched multiple times a day, yet are often overlooked when painting. A new coat of paint on key doors, such as those for bedrooms and washrooms, can make a significant impact on the look of your home. 

By the way, you may be able to pass on painting exterior doors. They’re often coated with a durable weather-resistant enamel and don’t usually need more than a good wash. 

As you may know, curb appeal refers to how your property looks from the street, where potential buyers first see it. Your home’s curb appeal can have a big impact on the sale of your property. In fact, it's not uncommon for a buyer to drive by a listing, rather than stop, because they don't like what they see. 

So, how can you improve your home's curb appeal quickly? One way is to do some outside cleaning. 
Start with the main entryway. Wash down the front door and sweep (or power wash) the front steps. It only takes a few minutes but you'd be surprised by the impact it can have. Sweep or power wash your walkway too and you’ll improve the overall look of your home — sometimes dramatically. 

Clean your front windows to brighten the look of your home’s facade. It doesn't have to be an arduous chore. In fact, there are washing products available that attach to your garden hose. You don't even need a ladder! Ask your local home improvement retailer for recommendations. 

If you have hedges and scrubs, give them a trim. To keep your trimming level, use a wide board, or even a piece of cardboard, then cut to the desired height. Pull off any dead leaves or branches. Of course, also mow the lawn! 

Finally, inspect your property from the street. Can you see anything else you can do to quickly improve the look? Do you notice anything that is unsightly or distracting, such as garbage bins that could be relocated? 

One final tip: When a viewing is scheduled, remove your vehicles from the driveway. Buyers like to see an empty driveway because it helps them imagine themselves living there. It also gives them a convenient place to park!