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#homeownership
classycookiexo · 1 month
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Understandable
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lake-lady · 1 year
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Guys...I'm finally a homeowner
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allthecanadianpolitics · 10 months
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It will take Torontonians making a median annual income of $91,858 about 25 years to save for a down payment on a house, according to a new housing affordability report. But, the report also notes the real estate market is seeing improvement in affordability.
The National Bank of Canada (NBC) released its housing affordability report for the first quarter of 2023, where it analyzed the condo market, as well as other dwellings and the real estate market as a whole in 10 major cities across Canada.
The bank factored how long it takes a median-income household to save up for the cash down payment, which is measured by the number of months needed to save for the minimum payment at a savings rate of 10 per cent of its pre-tax income.
Full article
Tagging: @politicsofcanada
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bomberqueen17 · 3 months
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the home stretch
Went over to the house yesterday morning and Jim was there sawing a hole in the exterior wall.
Not alarming at all once I remembered part of this remodel that i'm really excited about is that we're getting an actual exhaust hood for over the stove. Not one of those ones that goes through a microwave either, a real exhaust hood that goes to the outdoors. (The real ones are mounted 30" above the stove top. Microwave ones have to be lower so you can reach the microwave. i can't stand cooking in such a constrained space like that. No thank you. Keep my microwave separate!)
He had sawed out a big chunk of drywall on the interior too, and replaced it with plywood, which is much sturdier to screw mounting hardware into. At my request, he'd extended the plywood down a couple more inches (it'll be covered by the tile backsplash so it won't even show!) so I can screw a couple of heavy-duty mounting hooks in there and have a place I can hang both my cast-iron skillets when they're not in use. I don't like leaving them on the stove (my mother's approach) or stacking them on a shelf (dude's approach) because one is untidy and the other requires me to lift every piece of cast iron i own at once to access any of them. (I also have a square griddle and a Dutch oven and also a tiny skillet which Dude uses all the time when I'm not around and neither of us uses at all when I am around, because it is very much a Cooking For One mini skillet LOL.)
He paused to show me the deer hunting hut he'd meticulously constructed for himself while he was on Christmas break and then artistically had painted camoflage. ("My friends were like omg how long did that take you? I dunno, I wasn't counting, I had a blast. Had a beer in one hand, spray paint can in the other, I just let it take as long as it took. It's like arts and crafts! Who's keeping track of the time?") It did look great. As he was swiping his finger accidentally slid onto the later bits of the camera roll and it showed me the deer he'd gotten on the last day of hunting season. "Oh! I'm sorry, I didn't mean to make you look at that," he said, and then looked at me and laughed, remembering I had told him I work in a slaughterhouse. "Right, you don't mind that kind of thing, but still." It was a nice big doe, cleanly felled, nothing to object to there.
I went and called the appliance company, who'd said they'd deliver my dishwasher and vent hood on new year's eve probably. They seemed confused that I'd called, and then were confused when they discovered that indeed both my items were in stock and should have been delivered. I said I figured the holiday had confused things (genuinely, probably the vent hood had come in on NYE like the salesman had thought it might, but I bet somebody had the day off and they weren't on the ball about calling people) so I just wanted to call and find out if anything needed sorting. They told me they'll call me today to tell me the two-hour delivery window. So I'm getting my dishwasher today! Pumped. It's gonna go into the living room to start with but like, y'know, that's fine.
The counters are going in on Thursday. Hopefully, Jim said, the counter people could do it in the morning, because then he could start on the tile that afternoon.
Ah they've just called, my delivery window for the appliances is 11-1. OK cool.
The plumber can't come until Monday. But then once he's been there I'll have my stove and sink and dishwasher. And, Jim says, that means the final, last little button-up details will be done on Tuesday.
"And then," he said, amused, "I can go back to the regular schedule, because the people who refused to have their houses torn up over the holidays will be clamoring to get the work done now. It's good you didn't mind." Which is precisely why we thought we'd gotten bumped up by two months, but it's funny to hear him so directly confirm it.
"I'm the luckiest person in the world," I said, "with my mother-in-law's house vacant walking distance away for this whole time, so it's been genuinely no trouble at all." And I am. She's coming back on Tuesday, so I figure we'll move back into our house over the weekend, and I'll deep-clean her house and (sighhh) put all the beautiful sewing equipment back where I found it. I won't really miss her fancy modern sewing machine (which she just got and is third-hand and I don't think she knows how to use either) but her old workhorse straight-stitch machine is a beautiful, unfussy beast I've really enjoyed spending time with.
OK i gotta get off my ass and go get the grocery shopping done so I can go sit in my house for the delivery window. I saved plenty of things to do, don't worry. I'm starting to put stuff into the cupboards, made Dude come sit with me over the weekend and give his opinion-- he's been busy at work and has had no attention span but I refuse to take his "idk just put stuff wherever" at face value, he spends more time in this house than me and i will NOT have him after the fact annoyed with how I chose to organize things. So he did give opinions, finally. And I need a few more lazy susans and storage baskets and half-shelf-rack kinda thingies here and there but I'm getting there.
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Part of owning a house is that about twice a year you're going to find out about a new type of maintenance you've never heard of, but you should have been doing it all along.
If you're lucky, you'll find out about it *before* your AC stops working on a 90 degree day because it has frozen into a solid block of ice.
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myriahkamm · 4 months
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So, uh...I'm officially a homeowner.
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Moving over the weekend. It's a small house (less square footage than my old 1-bedroom apartment), but it's mine, and I get a yard and a garage out of the deal or something.
Also......
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I'm so nervous about this hopefully helpful new step in life. 😅
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4spooniesupport · 2 months
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Does anyone know if there are any grants for a first-time, disabled home buyer/owner ?
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briarpatch-kids · 8 months
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my parents are looking into buying a small home for me instead of paying my rent forever (the government is mean so SSI is looking less and less possible). I was kind of panicking about having to monetarily commit to a house that I don't 100% love (our budget is under $50,000 so finding the perfect home is not going to be a thing) for the foreseeable future but your posts about your house and how you've been able to slowly do work on it even while very disabled have given me some hope in the situation
Thank you!! 50k will get you a little place in similar condition to what mine was when we first bought it if its in foreclosure and a cheaper area. The location and larger lot size is what drove the price up to 100k for our house.
Look into grants and stuff for accessibility too! You might be able to get things like a ramp installed for free or cheaper. When you're looking for a house, watch out for these things because they'll be dangerous or expensive to fix: sagging sewer lines, structural damage like foundation or framing, termites, active water leaks, or wood rot.
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n2qfd · 15 days
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Something in the basement smelled.
There was a full on grey squirrel dead in the silver section of this exhaust from the water heater. It tried to get in through the chimney and died of CO head down over the tank.
I was 5 mins from calling the utility I work for as I don't have a Ventis monitor anymore and all the pipe joints checked by soapy water...
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beardedpersonalady · 2 months
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So the weather jumped into plus temperatures today (7C/44F) and we had a huge melt. The sudden rush of water has shown me that I will need to replace eaves (at minimum) and re-do the grading this spring. The anxiety is killing me but I've already done some website inquiries to get some assessments and quotes so I can start making plans and saving cash. There's not much else I can do on a Sunday in January but hopefully I've done enough to sleep tonight.
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nerdwithapoll · 5 months
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Boring Poll - Just how difficult is it to afford a home?
My theory is that most of us on Tumblr either can't afford to buy a home at all, or won't be able to afford it until much later in life than our parents and grandparents, if ever.
Feel free to re-blog and grumble about the state of things! I'm sure you're in good company.
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theapril83-blog · 2 years
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Time to spread your wings! Whether you're actively looking, or just thinking about buying a new home, don't hesitate to contact us for professional real estate advice. Our real estate team specializes in helping buyers find homes that will help them grow into the next phase of their lives. Give us a call today! #homesteading #home #homeownership #buyer #selling #sellersagent #nomattertheroadwellfindyourdreamhome #realtor #realtorlife #realestate #slo #sanluisobispo (at San Luis Obispo, California) https://www.instagram.com/p/CdbAGSaFABn/?igshid=NGJjMDIxMWI=
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allthecanadianpolitics · 10 months
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British Columbia is expanding the tax it created to clamp down on real estate speculation and ensure homes in rental-strapped communities don’t sit empty.
A statement from the Ministry of Finance says the Speculation and Vacancy Tax now includes the municipalities of North Cowichan, Duncan, Ladysmith, Lake Cowichan, Lions Bay and Squamish.
Starting early next year, homeowners in those areas will join owners in 40 other B.C. cities, districts and towns who are required to declare how their property was used in 2023.
The statement says 99 per cent of people who live in B.C., can expect to be exempt for the 2023 tax year, but homeowners in the new municipalities, along with those already covered by the tax, must make formal declarations in the new year.
Full article
Tagging: @politicsofcanada
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lilac-hecox · 5 months
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Remember I asked for good vibes because I put an offer in on a house? Well, your vibes worked, and I closed on the house today! I'm officially a homeowner!
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teampropertiesgroup · 2 months
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dracanthropic · 8 months
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Guys. It has been such a WEEK. I know it's only Wednesday but man.
Sunday was chill. The cat we were catsitting went home so I furiously vacuumed and my skin chilled out because yeah I love cats but I have to admit - I am allergic.
So by Monday I was like oh wow this week is starting off great! Had a good day at work, my skin was good. Basement was a little stinky in the morning but eh, basement.
I WANTED to sit on the couch and have a glass of wine while watching Alex, Ernesto, and Kai bear people up when I got home from karate. What ACTUALLY happened was I got home and went "OKAY what died in our basement?"
Turns out a window leaked in the most recent torrential downpour and flooded our basement. Guys. Don't put carpet in a basement.
So instead of chilling we emptied out the carpeted room and were sad about the mold growing on things.
Tuesday my parents came over and we ripped up the carpet (immediately smelled better once the carpet was gone).
Then any wet drywall (wetwall. My husband thinks he's hilarious) had to go.
We found a bunch of .40 cal bullets wrapped in duct tape hidden in a cinderblock, so that was...weird.
But there was no chilling on Tuesday.
Today. Wednesday. I finally got to come home. Go to karate. Then come back home and chill. (My parents did come over and finish getting rid of the damp drywall but I wasn't needed so I got to go kick things)
Might have been my favorite episode of Almost Paradise so far.
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