Tag Archives: tips


Helpful tips from BMO Bank of Montreal

Buying your first home as a couple? Check out these six tips.

Become a savvy home-buying duo.

Are you and your partner gearing up to be first-time homebuyers? You aren’t alone.

With real estate prices on the rise, taking on a mortgage payment as a couple may be more realistic than attempting to buy independently.

You may also find the process intimidating ― but fear not. Take note of these six tips that will help you and your partner be properly equipped to make the biggest purchase of your life: Continue reading


Helpful tips of the month from BMO

Start preparing a safety net for unexpected expenses.

Life happens.

Your washing machine breaks. You have a leaky roof. You lose your job. Your child gets sick.

No matter how well you plan, you simply can’t predict if and when unexpected expenses are going to arise — and inevitably they will. Your pay cheque may only go so far towards covering costs, and you’ll want to avoid going into debt or dipping into your retirement or long-term savings.

So what can you do to prepare?

Start saving now.
Open a separate savings account for emergencies, and get into the habit of depositing a weekly or monthly amount, even if it’s just $10 or $15. That may mean one less meal out, but it will add up over time. A great way to get started is to set up automatic savings. Once you’re in the habit of automatically setting money aside each month and adjusting your spending habits, you can gradually increase the amount. Continue reading

About wallpaper

Here is a description of different types of wallpaper and installation advice.

Traditional wallpaper is a repetitive reproduction of a pattern every 10 to 27’’ (25 x 68 cm). A wallpaper mural is made up of overlapping paper widths that form a single pattern that can be up to 36 feet wide (almost 11 metres), according to Muralunique.com.

For the same size, the prices of murals vary between $100 and $1,000 according to the quality of the paper and the glue. Muralunique describes four types.

Canadian Shield rock by Donn Petelka. Muralunique.com
Canadian Shield rock by Donn Petelka. Muralunique.com

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Saving is rock and roll

iStockphoto LP

Can a house really generate savings? We hear so many owners complain about all the money they can pump into a house that you might end up thinking that a house is a bottomless pit when it comes to your budget. The real pessimistic owners complain about always having to pay and pay.

Two writers offer various ways to reduce our household bills. They have opposite approaches. The first one opts for classic savings; the second one takes the road less traveled.

A reporter for the business pages of La Presse newspaper, Stéphanie Grammond offers her advice in her paperback Acheter sans se faire rouler. In terms of insurance, she invites owners to use common sense. You can save a lot over the years by doing certain renovations, getting an alarm system, not making insurance claims for every little thing and having a deductible higher than $300. Continue reading

Tips for reducing water consumption

Vague Eau ISTOCKPHOTO art-de-vivre
source: iStockphoto

Fresh water is a precious resource. Even though Canada seems to have ample supplies, it accounts for only 7% of the planet’s renewable fresh water reserves. And just because those reserves are renewable, it doesn’t mean they’ll last forever. If we want our children, grandchildren and future generations to be able to benefit from this natural wealth, each of us has to do our share.


At home, there are many actions you can take to reduce how much water you use.



The bathroom is the place in the home where the most water is used. Taking showers or baths and flushing toilets account for 65% of our consumption. It’s easy to cut down the quantity of water used in the bathroom by following these tips: Continue reading