Under new ownership who will serve up equal portions of charm and sophistication, newly designed studios, 1 bedroom plus den and 2 bedrooms plus den. All suites are newly renovated to include new kitchens with 4 stainless steel appliances, bathroom with water saving devices, luxury vinyl plank floor, energy saving lighting including new windows throughout.
Balconies • Elevators • Heat included • Hydro not included • Laundry Facilities on Site • On-site Superintendent • Underground Parking available • Water included • Wheel Chair Access
Hours: Monday, Tuesday, Thursday 10am to 6pm, Saturday 11am to 6pm
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5 ways “loud budgeting” could save you money
There’s a social media movement gaining traction right now that’s helping people to normalize talking about money. It’s called “loud budgeting” – a financial strategy that puts your money aspirations at the forefront for others to see. The trend encourages people to be more honest about their finances and say no to purchases or events they can’t afford, or don’t wish to put their money towards. For example, telling a friend that you can’t go out to a concert because you’re saving money to pay off your car loan.
Here are five tips on how you can make loud budgeting work for you.
get started with a budget
When it comes to budgeting, it’s important to be aware of the amount you bring home after taxes, the amount you spend on fixed expenses and how much you put into savings and investments.
A more accurate picture of your financial situation can be obtained by keeping a monthly record of your earnings, expenses and investments. There are online tools, including the TD Personal Cash Flow Calculator and the TD Financial Health Assessment Tool, that can be helpful when it comes to crunching those numbers.
set clear financial goals and priorities
Ensure your financial objectives align with the kind of life you’ve
envisioned for yourself. For example, if you’re saving for a down payment on a new house, consider putting a photo of your dream home where you can see it every day to stay motivated and achieve your long-term priorities.
track your spending
Take time to examine your most recent bank statements or use a budgeting app to find out where your money is going each month. What’s the difference between what you’re earning and what you’re spending? Do you have enough cash in your savings account to act as a safety net?
avoid impulse purchases
To avoid spontaneous or impulsive spending, give yourself a
24-hour block of time to consider whether you should make the purchase. Is it a need or a want? The 24hour rule can help you to keep the focus on your long-term financial objectives, ensuring greater success in the long run.
communicate clearly
Make time and space to discuss your financial needs, values and aspirations with friends and family. By sharing your financial plans with others, you’re not only keeping yourself accountable, but you may also inspire others to do the same.
Loud budgeting removes the stigma of talking about money and can help you stay on track and reach your financial goals sooner. ■
PREMIUM RENTALS IN DANFORTH VILLAGE
Danforth Avenue
• Adjacent to Main Station – TTC Subway and GO Train Stop
• On-site city community centre and daycare
• Transitioning to 100% smoke-free living
• Laundry facilities
• 24/7 on-site staff and security
• Fully renovated Jr. 1, 1, 1 + den, 2, 2 + den and 3 bedroom suites
• Open-concept kitchen
• Stainless steel appliances including dishwasher and over-the range microwave
• Designer cabinetry, stone countertops, recessed lighting in kitchen
• Custom roller blinds
• Private balconies with most suites JR. 1, 1, 1+DEN, 2, 2+DEN AND 3 BEDROOM SUITES
how to get away for less this fall
Did you miss out on a summer vacation this year? Don’t worry, fall is a great time of year to go away: you won’t have your energy sapped by the summer heat, foodies can get their fill at a harvest festival, and you can see the leaves changing colour amidst idyllic backdrops. Here are four ways to plan an affordable fall holiday.
book early
Booking as early as possible has two key advantages. For one, you’ll have the best selection of locations and venues before the prime spots get booked up. Plus, the further in advance that you book your
holiday, the better the deals you’ll likely find. Once your travel and accommodations are confirmed,
look into pre-booking tickets for any bucket-list excursions to avoid disappointment.
If you can hold off until fall or early winter, you’ll find that flights are less crowded, there are more hotel and resort rooms available, and most locations offer offseason rates.
tap into seasonal sales
The laws of supply and demand definitely apply to vacations. With most families with children looking to travel during summer vacation, most destinations charge a premium during those summer months. If you can hold off until fall or early winter, you’ll find that flights are less crowded, there are more hotel and resort rooms available, and most locations offer offseason rates.
comparison shop
Think about the type of consumer you are: do you like to choose things a la carte, or do you prefer package deals? With some travel operators, such as Air Canada Vacations, you can try both. You can play around with different flight times, the calibre of accommodations, and the excursions and attractions you’re interested in to find an itinerary that fits your budget. Or you can search through various curated self-guided or guided tour pack-
ages that take care of the planning for you. Pre-set packages often build in volume discounts so you can see and do more for less.
use your points
Most of us have a variety of rewards cards or apps that we use for different purchases. With some, such as Aeroplan, you can use the points to book everything from flights and hotels, to complete resort stays, including travel. Find more tips on how to save on travel at aircanadavacations.com. ■ — News Canada
• Air conditioning • On-site security and management • Indoor garage
• Indoor Commercial Parking Available to Non-Residents
• Indoor Swimming Pool and Fitness Room shared with Holiday Inn
• On-site laundry • Mini-Mart
• Restaurant
• Travel Agency
• Close to College Subway Station
• Short walk to Ryerson University and Eaton Centre
• Steps to the Maple Leaf Gardens Loblaws and much more
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• Indoor pool & sauna
• Friendly on-site staff/ management office
Choosing colours for your home that look good together can be intimidating, especially when moving into a new space or updating an old one. Before heading into project-mode, consider three tips for mastering colour coordination at home from Sharon Grech, Benjamin Moore colour and design expert.
The simplest place to start is to look at what’s already in the room. Pick one item as an opportunity to bring a refreshed, colourcoordinated feel to your whole space.
what’s staying and what’s going?
The simplest place to start is to look at what’s already in the room. Pick one item as an opportunity to bring a refreshed, colour-coordinated feel to your whole space. Do your floors need a little love? Is your furniture looking tired? Do your window trims seem faded? Base your design and colour ideas around the main colour in a room and pair colours accordingly.
it’s all about balance
The simplest way to create a balanced colour palette is to follow the 60/30/10 rule: 60 per cent of the room should be a dominant colour, 30 per cent should be the secondary colour and the last 10 per cent can be an accent colour. These colours are referred to as the mass colours, and the easiest way to harmonize them is by selecting a consistent undertone; either warm or cool.
Warm undertones are typically orange, yellow or red, while cool
undertones have green, blue or purple. Grech says, “It’s safer to stay consistent with undertones, but when painting exclusively with a colour like white, mixing and matching warm and cool undertones can add subtle distinction within a space.”
what’s old can be new
Now that you’ve established what to re-vamp, Grech reminds us that paint is not only for walls.
“Give furniture a second life with a fresh coat of paint and opt for a colour that complements the tones found on your walls and flooring.” For this she uses Benjamin Moore Advance paint, an easy-to-apply paint that makes old furniture look new again. “Pair dark walls with furniture in cool tones and lighter hues such as fresh Smoky Green CC-700. Or, if you’re using a white wall, mix in a cozy, warm pop of colour, like Stuart Gold HC-10.”
— News Canada
• Just south of Lawrence on Dufferin WONDERFULLY CONVENIENT
• Close to Allen Expwy., Hwy 401
• TTC at door
• Lawrence Subway, and minutes to Yorkdale
• Walk to schools, churches and Columbus Centre
FULLY RENOVATED SUITE WITH:
• New kitchen and bathroom
EXCEPTIONAL FEATURES
• Immaculately maintained and cared-for
• Big/bright 1 & 2 bedroom suites
• Large balconies
GREAT AMENITIES
• Indoor swimming pool and sauna
• Manicured grounds with mature trees and shrubbery
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tips for eco-friendly family fun this season
There are plenty of fun, eco-friendly activities that the whole family can enjoy this fall. Here are some great – and green – ideas.
explore the great outdoors
Fall is great weather for hiking, and the changing leaves make a great background for family portraits. To keep the kids engaged, play a fun game like “I spy – nature edition” or see what they can find on a scavenger hunt.
With 37 national parks and 10 national park reserves in Canada, as well as many provincial parks and local nature reserves to explore, nature isn’t far from your
doorstep. Don’t forget to leave only footprints behind.
plan a family game night
Stay warm on a cool fall evening with a fun-filled family game night. Pour some mugs of hot chocolate or warm apple cider and pick a game you all love. Get creative without creating waste – there are many familyfriendly options like Charades, Spoons or Apples to Apples.
visit a pumpkin patch or a local farm
Pumpkin patches and local farms are great for day trips and the perfect spots to find fresh seasonal produce and treats. There
are plenty of ways to ensure your pumpkin carving is eco-friendly and low-waste – toast the pumpkin seeds for a yummy snack, and if desired, save the body of the pumpkin for future meals or desserts and compost any left-over pieces.
make a seasonal recipe
From warm soups and stews to pastas and casseroles, cozy recipe options are endless, and a great way to use up vegetables and leftovers. When grocery shopping for additional ingredients, look for a carbon zero logo on food packaging. This can help you identify companies that are prioritizing eco-friendly initiatives. ■
— News Canada
Crispy Baked Chicken with Fall Root Vegetables
Prep time: 10 minutes Total time: 55 min Serves: 4
Ingredients:
• 8 Maple Leaf Prime chicken thighs
• 1 sweet potato, peeled and diced
• 1 cup (250 ml) of butternut squash, peeled and diced
• 2 small beets, peeled and diced
• 2 carrots, peeled and sliced in half lengthwise
Directions:
• 1 head green cabbage, sliced into wedges
• 2 tbsp (30 ml) olive oil
• 1 tbsp (15 ml) maple syrup
• 1 tbsp (15 ml) butter
• ½ tsp (2.5 ml) rosemary
• ½ tsp (2.5 ml) garlic salt
• Salt and pepper, to taste
1. Preheat oven to 425°F (220°C). Line two baking sheets with parchment paper and set aside.
2. Place sweet potato, squash and beets in a large bowl. Drizzle 1 tbsp of olive into bowl followed by maple syrup, rosemary and garlic salt. Toss well to coat and arrange onto a baking sheet.
3. Place chicken into the same bowl and drizzle with remaining 1 tbsp of olive oil. Season well with salt and pepper and toss to coat.
4. Nestle chicken around the vegetables on baking tray. Cut butter into small cubes and place on top of each piece of chicken.
5. Place cabbage wedges and carrots on another baking tray and drizzle with salt and pepper.
6. Place chicken on middle rack of oven and cabbage and carrot tray on the rack below. Bake for 35 to 40 minutes, then flip carrots and cabbage, cooking until tender. Change oven to low broil and roast chicken for 3 to 4 minutes until golden and crispy.
7. Arrange onto a family style serving platter and drizzle with pan drippings.
Many people faced with moving between apartment rentals think packing is easy – a few boxes from the grocery or liquor store, some newspaper, a roll of tape and voila! On the contrary. If you value your personal belongings, and want them to arrive at your next home in good shape, packing involves much more consideration. This is especially true if you tend to be a bit disorganized, at the best of times. Even if you pride yourself on being a stickler for details, you may benefit from a few tips on efficient packing.
pro packing tips
dishes, did you know that packing them on their edges rather than flat can help to prevent breakage? Professional movers usually sell packing materials including boxes that are sized to stack neatly. This saves a lot of headaches on moving day.
The number-one thing to remember is to start packing several weeks ahead of your move-out and more-in date. Done well, this process is amazingly time consuming, and packing in a hurry is usually counterproductive. Take your time to think everything through, and start with the items that are not critical to unpack right away. Avoid the overwhelming nature of leaving things to the last minute.
Get some decent packing materials. Make sure boxes are sturdy so they will not collapse under the strain. Consider buying boxes from your mover. Rather than using newsprint, which tends to smudge everything it touches, purchase proper allwhite newsprint packing paper. At the other end, you can smooth it out for reuse, or save it for the kids for drawing and painting. This paper is substantial and will protect your items while keeping them clean. The last thing you need at your destination residence is to have to wash dishes before arranging them in your cupboards. And speaking of
One of the biggest mistakes do-ityourselfer movers make is to overpack. If you have ever tried to lift a huge carton filled with books, you know exactly what I mean. At Two Men and A Truck® Canada, we have a simple rule of thumb: the heavier the item, the smaller the box. Another great tip is to wrap small items like knickknacks in coloured tissue paper before surrounding them with packing paper so that you don’t accidentally throw them out when unpacking. Trust me, it’s easy to do with little things. Overpacking also applies to cramming too much into one box. Remember that as carefully as you pack them, items can shift in transit.
Make your kids feel important during the move by getting them to pack their own toys and games; the process will also assure them that their belongings are coming with them. You should also be sure to take legal documents, medical records, expensive jewelry and any
BY CHUCK RESNICK
other pertinent papers and possessions with you personally. Keep in mind, a professional moving company cannot transport hazardous materials such as flammables. Think carefully before you decide to move potentially dangerous items.
Be sure to label boxes on the top and on the sides to make it easier for whoever is distributing the cartons in your new home. Pack an essentials box of things you will need as soon as you move in and label it accordingly. When it comes to moving a lot of items, a little common sense goes a long way. If packing is not your thing, your mover will give you an estimate to do the packing for you. Leaving it up to the professionals takes a lot of the worry out of packing. ■
Chuck Resnick is vice-president, marketing and operations at Two Men and A Truck – Canada®
• Balconies
• Cable ready • Carpeted & ceramic floors
• Convenience store
• Fridge & stove
• Golf Course
• Hospital nearby
• Internet ready
• On-site laundry
• On-site staff
• Outdoor parking
• Park views
• Parks nearby
• Schools nearby
• Shopping nearby
Living the country life just 30 minutes from Kitchener! This quality condominium rental complex is located in the thriving & growing town of Listowel. Affordable, clean & undergoing extensive ongoing renovations & updates, this property is ideal for mature or retired individuals, as well as professionals who commute to Kitchener/Waterloo, Guelph, Stratford or the London area. Backing directly onto nature trails & green space, you are within a short walk to local schools & churches. All major shopping, banking & retailers are located directly in Listowel including Walmart, Canadian Tire, Zehr’s, Shopper’s Drug Mart & several Tim Horton’s! There is also a beautiful downtown core along with a local hospital. This development boasts spacious 1, 2, and 3 bedroom suite designs with laundry facilities on each floor. With continuing upgrades & renovations, this charming location will continue to be an attractive and affordable place to call home. Our friendly staff is on-site 24/7. Located on the scenic Perth Country Trails system, you can enjoy everything nature has to offer, small town charm & friendliness and still be close to the city! Inquire today!
Water & heat are included; hydro (electricity) is extra.
PREMIUM RENTALS IN DANFORTH VILLAGE
2575 Danforth Avenue Toronto
JR. 1, 1, 1+DEN, 2, 2+DEN AND 3 BEDROOM SUITES
• Adjacent to Main Station – TTC Subway and GO Train Stop
• On-site city community centre and daycare
• Transitioning to 100% smoke-free living
• Laundry facilities
• 24/7 on-site staff and security
• Fully renovated Jr. 1, 1, 1 + den, 2, 2 + den and 3 bedroom suites
• Open-concept kitchen
• Stainless steel appliances including dishwasher and over-the range microwave
• Designer cabinetry, stone countertops, recessed lighting in kitchen
