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DI(wh)Y? Home Renovations

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Doing the renovations yourself to save some dough

diwhypicHome ownership is a lot of work especially when it comes to maintaining your home or home renovations.  You have to pick out your paint colours, figure out the “feel” that you house will have from top to bottom, upkeep the property, change filters, change bulbs, repair, build, replace….it is simply exhausting.  If you are reading this blog, chances are you are interested in budgets and personal finance so you aren’t so loaded you can just buy your way through life.  Even if you have a list of friends and family in the trades chances are you are going to have to fork out some cash at some point for some work at your house.  This is where the Y/Why? comes in in DIY.  There are so many things you can do with a bit of elbow grease, a bit of preparation and a bit of inspiration – so why not save some money.  I’m going to focus on things that I feel you can do yourself without a degree in design or being a licensed contractor.

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How We Took 6 Years Off Our Mortgage in 4 Steps

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MortgageToday I wanted to share some steps that we took to cut off 6 years of our mortgage amortization.  These steps were relatively easy to adopt and they didn’t make a huge dent to our overall lifestyle but they made a huge impact to our mortgage balance.  With no consumer debt (or car loan) we are very focused on doing what we can to reduce the number of years we have our mortgage and effectively reduce the interest we will pay over the course of the loan.  Even though in Canada interest rates are at record lows that might not be the case forever and while they are low we wanted to take advantage of this unique opportunity to accelerate our path to mortgage freedom.

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