First impressions are always important! From handsome new house numbers to charming patio lights, here's how to boost your home's curb appeal—without breaking the bank.

1. Add some lights

Outdoor lighting can make a world of difference when it comes to boosting your home’s curb appeal. Add some solar lights along the front walkway or some low-voltage lights near your front flower bed.

2. Paint the front door

A fresh coat of paint on your front door can give your home a whole new look, and better curbside appeal. Try red for a classic look or a bright orange for something a bit unexpected.

3. Add flower pots

A couple of well-placed flower pots on your doorstep will make for a cheery front entrance. Potted plants offer a much more welcoming environment.

4. Update house numbers

Give your house number a makeover. People look for your address more than you may think as they drive by. Replace your old numbers with an updated metal or wood design to update the curb appeal.

5. Plant shrubs or a tree

A couple of shrubs or a new tree will instantly enhance your curb appeal. Much like potted plants, trees and shrubs will add a welcoming quality to your home.

6. Keep your lawn tidy

One of the easiest ways to maintain curb appeal is to keep your lawn tidy, and that includes the edging around your walkways and flower beds.

7. Attract Some Birds

Humans aren’t the only things you want to find your home attractive. Appeal to a variety of birds to your yard with a birdhouse or bird feeder.

8. Update your mailbox

Give your mailbox an update with a colourful paint job, or replace it entirely with these DIY instructions for building your own mailbox.

9. Add window boxes

Window boxes will bring a splash of colour to the front of your home and add quick curbside appeal. Plant perky pansies or cascading flowers such as petunias. You can even use the boxes to grow herbs.

10. Paint shutters and trim

When was the last time you painted your window shutters? What about your exterior trim? A simple update will add plenty of curb appeal.

11. Hang a wreath

Welcome guests to your home with a wreath. Whether you purchase a wreath or make it yourself, wreaths allow you to change the look of your front entryway as often as you like.

12. Put down new mulch

Mulch is an inexpensive way to tidy up flower beds and shrubs while also reducing evaporation and slowing weed growth. Get a couple bags of mulch to freshen up the area around the front of your home.

13. Install a porch light

Look for a pretty light fixture to hang at the front door. You could also mount a couple light sconces near the entryway.

14. Tidy up hoses

A tangled garden hose is not only frustrating, but it looks messy, too. Nobody wants to see your gardening equipment thrown all over the yard.

15. Update door hardware

Does your door hardware need a makeover? Add curbside appeal by replacing old door knobs and knockers or give it an update with stain or paint.

16. Add some seating

Create a welcoming spot to relax by adding a couple chairs to your front porch or yard.

Source: https://www.readersdigest.ca/home-garden/home-improvement/budget-friendly-curb-appeal/
Photo: pexels.com

If your family home lacks space but you don’t want to move, you’ll be joining thousands of other Canadians who have chosen to renovate their properties. Whether you’re adding an extension, overhauling your kitchen, or knocking down walls to create better flow, you can likely count on one thing: you’re about to embark on an expensive project. Don’t fret if your dreams are bigger than your budget—there are a lot of ways to finance home renovations. While it may be tempting to borrow money, just remember you’ll have to pay that loan back, so be sure to make a plan that factors in the potential of further interest rate increases. Here’s how you can pay for upgrades to your property.

1. Take out a personal loan or borrow from family and friends

Generally, a personal loan carries a lower interest rate than a credit card. You can borrow a lump sum, repaying it over a set period. Typically, you’d pay monthly installments over one to five years, but it all depends on your lender and the terms you agree to. After you’ve repaid the loan, you’ll have to reapply if you want to borrow more money.

Borrowing from family and friends might seem easy, but it can cause stress if you don’t have a detailed and firm repayment plan. It can make it easier to get the money right away with few strings attached, but be aware of the strain it could end up putting on your relationship if both parties have differing opinions on what the repayment plan should look like. Oftentimes, people will put together a sort of “contract” that lays out the repayment terms and takes a lot of the emotion out of borrowing from family.

2. Refinance your mortgage

With a better interest rate than a credit card or personal loan, some homeowners seek to finance their renovations by refinancing the terms of their existing mortgage. This way, you can borrow more money and pay lower monthly installments over a longer term. Refinancing your mortgage means adding more money to the total you have already borrowed from your bank or lender. It has a lower interest rate because your mortgage is secured by the equity in your home.

While it’s fairly easy to qualify for mortgage refinancing, it’s best to do it when your mortgage is up for renewal. Otherwise, you may be charged fees.

3. Open a line of credit

For a long-term renovation project, you can open a personal line of credit through banks or credit unions, which lets you access money as you need it. You only pay interest on the funds you withdraw, and interest rates are lower than on a credit card. You may borrow funds multiple times up to the line of credit’s limit, as long as you keep making regular payments. If you have good credit, you can qualify for a line of credit with your lender.

4. Get a home equity loan

A home equity line of credit (HELOC) offers a flexible, low-interest loan option. Here’s how it works: You can borrow a sum that totals up to 80% of the assessed value of your home when it’s added to what you have left on your mortgage principal. This means if you still owe $250,000 on your $500,000 home, you can qualify for a HELOC of up to $150,000. You’re tapping into your home equity to access funds.

You can use these funds for anything—including renovations—and, as you pay off the HELOC, that credit is replenished. Just be careful not to keep withdrawing money as if it’s a bank account. You can also ask your lender to limit the available funds—just because you can access $150,000, doesn’t mean you should if your renovation project will cost less than the amount available. To get the most competitive interest rate, you may want to work with a mortgage broker. Since HELOCs are tied to your home’s equity, you’ll pay set-up costs and legal fees.

Other ideas

Municipal, provincial and federal governments also offer a range of home renovation tax credits, grants and incentives, allowing you to deduct part of your remodeling expenses from your taxes. There are also rebates available for energy-saving renovations.

Talk to your lender to figure out which financing option is right for you. They can explain how much you can borrow and go over the process to pre-approve your renovation financing. Your REALTOR® may also have recommendations and contacts who can provide insight into your situation. Remember, while remodeling can cost a lot of money, it can boost your property value while also allowing you to better enjoy your home.

Source: https://www.realtor.ca/blog/4-options-for-financing-your-home-renovations/26166/1363
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If you grew up with a brother or sister—or 10—you know how rewarding, comforting, and sometimes frustrating sibling relationships can be. This may be especially true when siblings have to share a bedroom. There are many reasons why a shared room is necessary, be it a limited number of rooms in the home, a child who needs a roommate for comfort, or a family member has moved in with you.

Plato famously stated, “necessity is the mother of invention,” and this situation is no different, as it presents the opportunity to create a delightful space with your kids at minimal cost, and without needing to renovate. Let’s look at some ways to approach setting up a shared bedroom.

Get the kids involved

The best way to ensure your youngins are fully onboard with this transition is to involve them with every step, provided they’re old enough to help. Even if they are unhappy about the change, including them can help overcome any misgivings and get them excited about how their space is going to look.

Set them up for success

The biggest challenge will be dealing with small rooms. For clutter prevention, plan for ample storage options for each child’s toys, books, and craft supplies. Setting the kids up to maintain a tidy room easily will make a big difference. If space is looking really tight, don’t be shy about resorting to under-the-bed storage, or get creative with how you utilize wall space. Tall shelving units (secured to the wall), floating shelves, and strategically placed hooks can all help keep their space tidy.

Sibling rivalry

If siblings with differing interests share a bedroom, give them a sense of their own territory by dividing the room in half. This is one case where choosing sides is OK! They’ll likely have widely differing décor preferences, so get their input on arrangement and accessories.

Have the kids choose their favourite colours or patterns and then team up to divide the room—they’ll love helping measure, paint, or apply wallpaper. Use different furniture styles and colours for each child to accentuate their uniqueness.

Placing dressers or a bookshelf where the room is divided helps delineate each zone. If you use a bookshelf for this, make sure to separate their books accordingly. Get the children to choose cushiony throw rugs to go next to their beds for a soft landing on chilly mornings.

Privacy can be a concern, so a bed tent or canopy can accomplish this for sleep, while a simple room divider in a corner can provide ample privacy for getting dressed.

Alternatively, put their beds close together in the middle of the room so they each have a dedicated space on opposite sides. Placing a night stand with their choice of lamp next to each bed allows quick access to a light when needed.

Siblings of the same or similar age

With twins, or children born only a few years apart, separating the space may not be as difficult, as their interests will very likely overlap in areas. This provides an opportunity to blend their shared and individual interests together for a bedroom bursting with personality.

Bunk beds are an excellent space-saver, especially for small rooms. Make sure your children are over the age of six, for safety purposes, though you can keep some bunks separated on the floor until the kids are old enough to stack them.

Decals related to their favourite movies, shows, and games are a perfect way to make the walls pop. Since they can be removed easily, you can update them as their interests change, keeping the décor fresh.

The wall across from a bunk makes a prime spot for artwork, while shelves above the dressers provide ideal display potential for books, models, or various forest walk discoveries.

Older and younger siblings

This can be the trickiest scenario, especially when your older child is a tween or teen. The younger brother or sister will most likely be thrilled at the prospect, given how much they look up to their senior counterpart, but the excitement may not be shared.

You’ll want to approach this one in a similar fashion as the siblings with differing interests scenario. Take this one step further by getting your older child to help develop and execute a plan to create a space they love—a wonderful DIY opportunity.

Consider a loft bed, or building a mini-loft so your tween or teen can have both a comfy space to sleep, and a private nook for homework or gaming.

It’s also advisable to place the younger sibling’s bed closest to the door as they usually wake earlier in the morning and can vacate the room without disturbing their older sister or brother too much.

Note: Double-up on the loft bed and desk option if you have two pre-teen or teenage children of similar age!

The baby of the house

If you wait a few years between children, there’s a good chance you’ll find yourself with a school-age child needing to share with a baby sibling. This is a huge adjustment for them, and they’ll feel most included if they get to help with selecting décor for both their younger protégé’s portion of the room and their own, while also getting to assist with putting it all together.

No matter the age difference between your children, a shared kids room means opportunities to play and create together, building strong bonds—after all, they’ll be siblings for life.

While this kind of change can be difficult to accept for some children, it’s a great opportunity for the whole family to get involved with a fun project. Just be patient, don’t sweat the small stuff, and most of all, enjoy the journey.

Source: https://www.creacafe.ca/making-the-most-of-your-kids-shared-bedroom/
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