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October decluttering

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October is nearing its end and that signals that it’s time for a more in-depth cleaning of your Toronto home to really get ready for the winter months. Since winter can be a time of hoarding for many people, it is important to go into the cold season prepared with plenty of space to spare. 

Junk drawers

We all have junk drawers that seem to pile up with random doo-dads that don’t have any other spot in the house. Instead of just piling more “stuff” into this drawer – or drawers, if you have more than one! Now is the time to sort through the accumulated items and get rid of what is truly unnecessary and find proper places to store those items you do deem worthy of saving. 

Other drawers

While your Toronto home’s junk drawer is the most obvious place to start with your deep clean, it should end there – now is the time to tackle all of the drawers in your home and to throw out everything old, unneeded and unnecessary. Chances are very high that once you have organized your drawers, you won’t even miss what they contained. If you have old tea towels, cleaning rags, aprons, dish cloths, etc… fall is a great time to weed out the really used and only keep those that you use. 

Cupboards and pantries

Cupboards can get just as full and messy as drawers. When going through cupboards or pantries, make sure to throw away any past-good foods, medications, creams or ointments. Keep only those items that still have a decent shelf-life remaining and those items that you actually use. Too many of us collect things that we mean to use, but never actually do because it would be out of our habit to do so. Take the time to acknowledge this and then let go of them. 

Storage rooms

If you have a storage room then you know just how full and cluttered it can get. Again, you need to be merciless when decluttering. And, if you are having trouble letting go of something, look at it this way: if you died tomorrow – would anyone else in your home want it? If the answer is no, and you no longer need/use it, then just get rid of it. The sentimental attachments we form to “stuff” only mean something to us. And, if we no longer see it the same way, then it is time to let go of it. 

What to do with your extra “stuff” 

If the stuff you want to get rid of is still in good shape and usable, consider donating them to goodwill. You can also recycle them via organizations that repurpose old furniture, clothing and goods. If it is really old and dilapidated, 

By the time the real cold weather hits you will be very glad to have an organized and uncluttered space for enjoying the warmth.

Creating a relaxing bedroom

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Torontonians work hard. So, at the end of the day they want to come home to a relaxing place to escape. There are several ways to create a tranquil and inviting bedroom. From using diffusers to choosing the right colours, creating an oasis that speaks to you is easier than you might think. Let’s take a look at some of the simplest ways to make your bedroom your personal sanctuary. 

Scent

A great way to diffuse the tension of any space is to use proper scents. For millennia essential oils have been used to promote sleep and well-being. Some of the top scents to achieve these goals include:

  • Lavender
  • Rose
  • Chamomile
  • Geranium
  • Jasmin
  • Bergamot

Whether you use a diffuser, a scented candle or incense sticks, adding the right fragrance to the air in your room can create an instant calm to help you unwind. 

Colours

Colours have a very strong influence on our moods and behavior. The right colour can ease your worry while the wrong colour will keep you up at night stressing over everything you might have done differently during the day. Among the top colours that soothe and calm are;

  • Blue
  • Green
  • Light pink
  • White
  • Beige

In this instance it’s best to leave the reds, purples, blacks and browns for your entertaining areas as these bold and vibrant colours are definitely not the best for encouraging sleep. 

Declutter

One of the best ways to make any room – but especially your bedroom, more relaxing is to keep it clean and tidy with no clutter. Clutter tends to stress a person’s mind, which is the opposite of what you want in your bedroom. Have enough storage space to file your things away so there is no reason for things to pile up. 

Keep bed linen fresh

Washing your sheets regularly is very important. Not only is it hygienic, but the freshness of the sheets will also help you sleep better. Using a detergent with a smell you like will make it even better. 

Lighting

Forget the overhead lights. To create a serene ambiance opt, instead for indirect or mood lighting. This is easily done with a couple of floor or table lamps or even LED lights placed under a shelf or your bed. 

Creating a tranquil retreat in your primary bedroom is not difficult – but can mean the difference between 40 winks and a night of tossing and turning.

Winter ready home

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Caring for your Toronto home is a constant cycle. Whether you are checking to make sure everything is working properly, maintaining things or cleaning, these routine tasks can be dull but are absolutely necessary. In fact, it’s when you neglect certain tasks for a few years that cracks begin to show, leaks spring up and grass begins to grow where it shouldn’t. 

More than just cleaning

Among the other items that need to be done every year, twice a year every home should be deep-cleaned. In the spring, you need to get rid of the dust that collects over the winter and in the fall, you need to sweep away the dust brought in from the summer! However, along with the deep clean, you should also take the time to prepare your home for the coming cold. We’ve compiled a handy list of items that should be on your checklist every fall. 

Inside

  • Wash windows
  • Wash down walls
  • Dust light fixtures
  • Dust/wash window treatments 
  • Vacuum and clean upholstery
  • Deep clean carpeting
  • Vacuum refrigerator condenser coil
  • Declutter and clean garage and/or attic
  • Wash comforters and pillows

Inside Tips!

Vertical blinds can be especially challenging to clean. A good rule of thumb for getting them spotless is to first vacuum the loose dust, then soak them in soapy water to loosen and remove the caked in dust. 

Swiffers or similar mops/brooms work particularly well when it comes to cleaning walls and ceilings. They have a longer reach, versatile mop heads and can be maneuvered easily. 

If you don’t have a deep cleaner, you can rent one inexpensively for a day at most grocery stores. 

Outside

  • Clean out gutters
  • Rake and compost leaves
  • Prep garden for winter
  • Check weather stripping around doors and windows
  • Clean and store patio furniture
  • Drain and store hoses
  • Clean, drain and close pool (if necessary)
  • Clean and store barbeque

Outside tips!

Raked leaves make excellent cover for garden beds as the cover they produce when composting will help fertilize soil.

Adding mesh gutter covers will prevent leaves from falling into your gutters and clogging them up. 

The list might seem long, but it requires just a few dedicated hours that can be spread over a few weekends to see all the tasks do

Unexpected office

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Toronto homeowners who work from home and don’t have access to a dedicated office space can create an unexpected office. Even if you don’t have a spare room there are ways of setting yourself up properly and without necessarily needing a ton of space. We’ve compiled a list of easy ways to set yourself up comfortably. 

Extra closet 

One of the cleverest and sneakiest ways of setting up an office is in an unused or underused closet. There are a number of ways to get this done, however, installing proper shelving and lighting are key to functionality while paint, wallpaper and accessories will add the sparkle needed to make it conducive to working. If you want to further extend your workspace you could remove the closet door, however, keeping it on means being able to close your office off after hours. 

Staircase landing

If you have space at the top of your staircase landing, it might be enough to set up a desk and some shelves. Most landings are brightly lit and open – two elements that contribute to a great work environment. All you need are furnishings that are small enough to fit into your space and a creative way of arranging them. Installing an office at the top of your stairs will provide 

Under a staircase

There is usually plenty of dead space under a staircase. Instead, turn this overlooked area into a cozy home office. This is an easy DIY or can be done professionally. Simple wall shelving and some good work lighting along with a slimline desk are all that such a space really needs. 

Hallway stealth office

If you really don’t have space, you can always set up a stealth office in your hallway. This would require purchasing a wall cabinet that converts into a desk for when you are working and looks like a regular cabinet for when you are not. They are handy desks in a pinch and can definitely be set-up for a more permanent solution if you live in a small apartment or condo. 

Maintaining your lawn through August

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Toronto homeowners are likely now seeing the results of the efforts they made in the spring to get their lawn summer-ready. However, far from resting on their laurels, August is a crucial time for lawn care if you want your sod staying healthy and looking its best to the end of the growing season. 

The summer’s high heat and full-on sun can take a toll on grass and earth so there are few things you should do to keep both in tip-top shape. 

Get rid of thatch

What is thatch? According to the University of Massachusetts it is a, “tightly intermingled layer of living and dead stems, leaves, and roots which accumulates between the layer of actively growing grass and the soil underneath”. To see if you have thatch, cut a small plug of earth from your lawn and measure the thickness of the thatch layer. If it is more than ¾” thick, then you have thatch. Getting rid of thatch is done mechanically using a rake. 

Let your grass grow!

As silly as that statement sounds, not cutting your grass too short in August will actually help it remain healthy. And, when you do cut your grass make sure to set your mower blades higher so that your grass remains strong. 

Seed

Late summer is the ideal time to seed your lawn. It will ensure that the seed takes hold in the fall so that by the time the new growing season rolls around you have a healthy head start.  

Fertilizer

Another crucial step in your Toronto lawn care routine for August is the application of fertilizer. Levels of nitrogen, phosphorus and potassium tend to drop during the summer, so adding a good fertilizer helps to rebalance the health of your lawn. Another reason to fertilize your lawn in August is so that the nutrients are already there in spring. 

By spending a bit of time on lawn care in August, you will set the stage for a healthy and strong grass for the rest of the year and into the early next early growing season.

Navigating higher mortgage interest rates 

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The Toronto real estate market is soon going to feel the real impact of the recent Bank of Canada interest rate hikes. On July 13, the BOC raised interest rates by 100 basis points to 2.5%. The hike was even higher than what experts were anticipating with the increase immediately reflected in mortgage interest rates across the country. 

Lock in variable rate mortgages

Toronto homeowners who have a variable rate mortgage should have already locked in their rate. But, if you haven’t yet, then now is definitely the time as there is another rate hike anticipated in September. And, should inflation continue to rise, then more hikes could be in the pipeline. Locking into a rate that you can afford now, is better than hoping that the rates will stabilize and come down soon. 

What if your mortgage is only set to renew next year?

Chances are interest rates will remain high for the next few years. If you foresee renewing your mortgage at a high interest rate, your best strategy is to start paying down as much of your mortgage as you can right now. Even if that means lowering the amount you are saving for retirement for a few years. Paying down as much as you can so that when you renew, you do so with a lower principal amount will help ease the sting of a higher interest rate. 

You need to renew but can’t afford the new interest rate at your current amortization?

If your mortgage is up for renewal and you simply cannot afford the payments based on the new interest rates and your current amortization, you can always opt to increase the amortization period. In Canada you can amortize your mortgage over 25 years. 

Mortgage still too high?

If you cannot afford your mortgage at a new, higher interest rate and you have the room (and temperament), consider renting out a room in your home or a portion of your home to help cover the costs. If you have friends or family members who are willing to let you move in with them short term, you can even consider renting out your whole house to cover your mortgage until you are able to afford the payments again. 

Preparing for a rate hike and handling a rate hike is not fun or easy – but it can be done. With a little discipline and proper planning you can structure your finances so that you can keep your home.