Life

So I bought a house… Now what?

April 14, 2016
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As I mentioned here, here and here (I’m so exciting lately) I bought a house at the end of 2015. December 21st… 4 days before Christmas, I forked over a hefty down payment for a house I probably couldn’t afford. But I was determined (and naïve) and I made it happen! Go Emily!

Fast-forward almost 5 months. I’m currently half living in the house, half living in my parent’s basement where the food and electricity are free. (As A has pointed out, we are living in a freezer because SURPRISE SURPRISE – Electric heat is expensive and I was hit with a $850 bill for the months of January and February) Second surprise – I was NOT prepared to cover this cost and my bank account dropped significantly. What is a savings account? I wouldn’t know because I’ve had to basically empty mine to cover the extra costs that come with owning a house that you refuse to acknowledge when you JUST WANT YOUR OWN SPACE.

All of my plans for fun home DIY projects have been put on hold. Travelling has been put on hold – hell eating has basically been put on hold because OWNING A HOUSE IS STUPID EXPENSIVE. Yes our house is zoned R2 which means we can turn our basement into a rental unit which will basically cover the cost of our mortgage (yay) but do you have any idea how much it costs to renovate a house? I didn’t. I’m still not totally sure I understand what things cost. But one day… one day we will have a tenant and our mortgage will be paid and we will live for free. Or not. BECAUSE THERE IS STILL PROPERTY TAX, ELECTRICITY, HOME INSURANCE, INTERNET, CELL PHONE BILLS…. Not to mention the credit card debt I have to try to pay off each month.

Every time I get a bill I spend like 4 hours searching the Internet for a second job, ways to make money, looking through my closets for things to sell. Will anyone buy my eggs? If I sell my bed I can probably pay my next mortgage payment but then where do we sleep? I guess the couch is comfortable enough but will I have to sell that next? I opened a bill last night, my property taxes, and had another mini (okay full blown) panic attack. HOW CAN I AFFORD TO PAY PROPERTY TAXES AND FINISH RENOVATING MY HOUSE? Oh yeah… I can’t. Last weekend we went out for dinner and I spent $40. FORTY DOLLARS. A few months ago that was nothing. Now, that’s $40 I could have put towards my bills. Or spent on groceries that would have got me more than one meal. Life lessons.

Okay so I’m not poor. But right now, I’m definitely pinching pennies – which is funny because Canada no longer accepts pennies – and I’m trying to budget better, eat out less, save money when I can and finish renovating our house. We still have a LONG way to go – not a single room is finished… but it’s starting to feel like home and that’s a start. Right?

Currently, Life

2016 So Far

March 14, 2016
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The first two and a half months of 2016 have been spent attempting to get settled into my new house. Unfortunately, we had a few family events that had postponed the renovations and we are still in the process of moving in. I definitely didn’t think that nearly three months after getting the keys, I would STILL be camping out in my parent’s basement. Yet here we are – March 14th and I am currently sleeping on a mattress on the floor of a basement filled with boxes waiting to be moved… BUT we are close! Like days away from moving in close. We had planned to make the big move this past Saturday but I decided to buy a vanity from IKEA that does not fit with the plumping in our bathroom and now has to be cut and therefore we do not have a sink in our bathroom and who can get ready for work in the morning without a sink? Not I.

The good news: There are plans to have our vanity installed tomorrow and the new shower tiles will be waxed so perhaps by Wednesday we will be blogging from our beautiful new home! Let’s keep those fingers crossed. I’m not sure I will survive if I have to see another mortgage payment come out of my account while I’m still sleeping in my parent’s basement.

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Aside from constantly stressing about the state of my new house, I’ve been trying to spend as much time outside as possible! We had a lot of perfect winter days this year and I have been able to knock some stuff off my winter bucket list. I think I have a new appreciation for Northern Ontario. I actually got outside and explored and it was beautiful. Seriously, we are so lucky to have so many amazing trails, parks, waterfalls in this part of the province. Unfortunately, I didn’t get to check out them all but I now have a seriously long list for next winter. 

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Our Crater has been taking up the majority of my free time but I really love it. I think I’ve realized that I’m most passionate about sharing my favourite city with people. Sudbury is home and now that I have my house, a career a fun side project, I don’t see myself ever moving so I’m excited to be able to share all that it has to offer with other Sudburians/anyone interested in reading about Our Crater!

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I just really like this photo me and my Our Crater co-founders that we posted on International Women’s Day because #GirlPower right?

Goals

February Goals

February 1, 2016
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In January I shared my goals for 2016 instead of monthly goals so instead of an update on my goals from last month, I’m going right into sharing my goals for this month (2016 is not the year of organization for me obviously)

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Life

My New House Floor Plan

January 27, 2016
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In December (the 21st to be exact) I bought my FIRST HOME! It was a bit of a fixer upper but is in the neighbourhood I loved and is zoned R2 with the perfect walk out basement for an apartment that we could rent out and basically cover our mortgage (um hi I’ll live for free thanks) so I really couldn’t pass it up. I had plans to do a few renovations and move in by the second week of January… Well it’s been a full month (and 6 days) and I’m still not moved in. But we are getting closer and I’m getting more and more frustrated excited every day. 

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Life

Our Crater Has Landed!

January 18, 2016
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We did it! We finally launched the secret project we have been working on for the past few months. Our Crater has officially landed and I could not be more excited. Today we launched with 7 amazing articles from our contributors and everyday for the rest of forever we will be posting one article a day (or more because Sudbury is awesome and there is so much to cover!). 

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