WINNIPEG Home & Condo Guide - 08 Mar., 2013

Winnipeg Edition

Mar 08 - Apr 05, 2013, Volume 06 Issue 02

Your Best Source for Homes & Condos

OXBOWCONDOS.COM

SEE PAGES 10-11

INSIDE THIS ISSUE

TIPS FOR MAKING TAX TIME LESS TAXING

THE HOUSING MARKET IN 2013 AND BEYOND

PACKING TIPS FOR A SMOOTH MOVE

Value Here! WHY BUILD! - Monterey Park! Headingley! $579,900 Fabulous Artista Bungalow built in 2009, Bright & Sunny! Great Room Plan, Dark Maple flooring, Cappuccino Kitchen. Total of 4 BR’s, 2 up & 2 down, 3 Full Baths, 2 FP’s, Huge Rec Room, Bar, Triple Attached garage, RV parking. Large pie shaped fenced yard 1/3 Acre. Professionally landscaped, overlooks green space.

Silver Heights Bay! 249,900

Perfect home to raise your Family, 1122 sqft Large LR, HWFS, Step saver Kitchen. 3 bedrooms, 2 baths. Rec room, front drive, fenced yard, Garage.

West End Family Home! $239,900

Immaculate home on quiet tree lined street! Huge LR, Formal DR, Step saver Kit, Appliances Inc, 3 BR’s, 1 ½ Baths, Cozy Rec Room, Newer Furnace, Central Air, Fenced yard, Deck

Wonderful Westwood! $324,900 Loaded with sunshine! Open plan, vaulted ceilings, dark Stained hardwood. 4 Bedrooms, 2 Full Baths, Rec Room, Games Room, Attached garage.

Great location across from The river. Between the St Charles & Glendale Golf Courses.

Joanne Gebauer Surrounded by Success 204-889-9500 Providing professional service with 30 years of experience.

2012 Gold Medallion Winner

2012

RE/MAX LIFETIME ACHIEVEMENT RE/MAX DIAMOND AWARD

RE/MAX PLATINUM CLUB

PRESTIGIOUS CHAIRMAN’S CLUB

Winnipeg REALTORS® MEDALLION AWARDS 1985-2012

RE/MAX HALL OF FAME AWARD

GOLD MEDALLION 2012

#1 RE/MAX Female Individual Agent Manitoba 2012

It pays to use a REALTOR®

executives realty

email: joanne@joannegebauer.com www.joannegebauer.com

2013 CONDO WATCH WATCH 2012 CONDO The demand continues...

2011 was a record breaking year 2012 for CONDO SALES in Winnipeg If you are thinking of buying or selling a condo this year, please talk to me first!

My specialty is connecting interested buyers with the condo they are searching for.

If you would consider an offer on your condo, now or in the future, please contact me, as I will provide you with a current market evaluation at no cost or obligation to you.

KEVIN MOIST TEL: (204) 792-7000 kmoist@remax.net

performance realty #1 RE/MAX Agent - Manitoba 2006 - 2011 Transaction Award WINNIPEG REALTORS “GOLD MEDALLION AWARD” 2000 - 2011 TOP 5 RE/MAX AGENT WESTERN CANADA 2009 - 2011 TOP 100 RE/MAX AGENT WORLDWIDE 2010 - 2011

w w w.k ev inm ois t.com

Call -Call KEVIN MOIST CallCall - 204-792-7000 - KEVIN MOIST - 792-7000 Not intended to solicit properties currently listed for sale.

WINNIPEG HOME & CONDO G UID E

3

Matthew Nicolas Realtor ®

Free with Every Listing: Professional Photography • Home Staging • Professional Cleaning Currently Listed...

506-100 Creek Bend Road 126 Chelsea Place | $269,900 $239,900

77 Autumnview 247 Roseberry Street | $169,900 $797,000

124 Edwards Ave East 124 Edwards Ave East $249,900 $249,900

40 Quail Ridge Road 40 Quail Ridge Road| $269,900 $269,900

Creekbend Hollow White Horse Estates Lots Call For Pricing Start At $107,900

To Be Built

83 Carmen 245 Roseberry Street | $247,800 $199,900

Want to know how you can sell your house OVER LIST? Contact Matthew Nicolas TODAY! (204) 475-9130 mnicolas@sutton.com w w w. w h a t s b e t t e r t h a n s o l d . c o m Sutton Group Kilkenny Not intended to solicit currently listed properties.

Vice-PresiDent, wall2wall meDia

Jacqueline Hill

OntariO anD manitOba sales manaGer

Kate Nash

eDitOr-in-cHief, natiOnal real estate

Susan Legge eDitOr

Janine Druery Lydia McNutt (on leave)

accOunt executiVes

Kim Smith Don Walters

204-949-6801 204-949-6409

sales cO-OrDinatOr

Steve Nelson

cOntributinG eDitOrs

Sara Duck, Wayne Karl, Elisa Krovblit PrODuctiOn manaGer

contents

Bala Gnanapandithan art DirectOr

Sarah Jang

GraPHic DesiGner/ DisPlay artist

Mike Terentiev

volume 6 issue 2 | mar 8 - apr 5, 2013

PrODuctiOn cOOrDinatOr

Bala Menon

circulatiOn Winnipeg Edition

Mar 08 - Apr 05, 2013, Volume 06 Issue 02

Your Best Source for Homes & Condos

Fiona Sewell

On tHe cOVer See pages 10-11 for more information

OXBOWCONDOS.COM

SEE PAGES 10-11

INSIDE THIS ISSUE

TIPS FOR MAKING TAX TIME LESS TAXING

THE HOUSING MARKET IN 2013 AND BEYOND

PACKING TIPS FOR A SMOOTH MOVE

insiDe tHis issue 06. editor’s note 14. housing market: Housing starts to gain momentum in late 2013 18. hot topic: Simple steps you can take to make tax time “less taxing” 29. make your move: Conquer the move without losing your mind by Dan Hopkins

the Winnipeg home & Condo Guide is published

by Wall2Wall media located at 1765 kenaston blvd., unit t, Winnipeg, mb, r3y 1V8. home & Condo Guide is distributed free throughout Winnipeg at free pick-up locations. this magazine carefully inspects all ads for accuracy, however, the publisher and the printer shall not be responsible for any mistakes, design errors or incorrect information which is provided by the advertiser or their representative. the advertising herein, including the photographs and all artwork, is the property of home & Condo Guide and not that of the advertiser. the advertiser has purchased the right of reproduction in home & Condo Guide magazine only and does not have the right to reproduce the ad in whole or in part in any other place or publication without the consent of the publisher. the views expressed by the columnists in this publication are not necessarily those of the publication.

26. money matters: Why are you in debt? by Gail Vaz-Oxlade

the entire contents of this publication are protected by copyright and are intended for the sole use of the public.

Published by

CheCk out our WebSite today: www.hometrader.ca our next iSSue, Volume 6 iSSue 3, Will be diStributed on april 5, 2013 For more inFormation, Call 204.949.6408

Wall2Wall media is a trademark of yellow Pages Group Co. in Canada. the hometrader & design are trademarks of apax Partners llP, used under license.

WINNIPEG HOME & CONDO G UID E

5

editor’snote

w Moving

MADE EASY

hether you’re relocating from one coast to the other or moving to your first place out of your parents’ home, changing homes can be hectic, exciting and certainly stressful. But, relax.

You can eliminate all of the anxiety associated with moving by taking control of the situation with confidence.

If you decide to move yourself, book a moving truck well in advance from a reliable company that can help you give you tips on moving as well as advice regarding the size of vehicle you will need.

If you decide to go with a pro, ask your friends and family to recommend a mover.

Call at least three companies to ask about their services and then decide.

Professional movers can do everything for you if you wish, from packing and unpacking, to disconnecting appliances and electronics, but of course there’s extra cost involved.

Make sure you understand the terms of your agreement no matter what you decide, as well any other additional costs such as insurance and mileage costs so you can budget accordingly.

Susan Legge EDITOR-IN-CHIEF Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

w

Small costs can really

ADD UP

hile buying a home is an exciting time, it can also be quite stressful.

Much of that comes from the thought of spending too much money and being “house poor.”

We are generally diligent in taking care of the larger and more obvious aspects of home financing. However, there are also several smaller costs involved that, when added together, can really lighten your wallet.

The Canada Mortgage and Housing Corp.’s website (cmhc.ca) has a long list of these expenses, but here are some important ones you’ll need to consider: • Moving expenses: Whether you’ll be hiring a moving company, or renting a truck and asking friends for help, there are likely to be moving expenses.

• Renovations or repairs: Can renovations or repairs be delayed or are some necessary to do immediately?

• Service connection fees: Telephone, gas, electricity, cable TV, satellite TV, Internet, and so on, may charge service connection fees. Some utilities may ask you to pay a deposit.

• Appliances: Does your new home come with appliances or do you already have your own?

• Gardening and/or snow-clearing equipment - Will you need to buy any of this during the first year in your new home?

• Window treatments: Do blinds or curtains come with the house?

• Decorating materials: Do you want to re-paint or apply wallpaper? Do the floors need to be refinished or re-carpeted? Do you have all the tools you need for redecorating?

Even the best-planned budget can take a bit of a beating when moving. So do your research – and don’t forget to leave a little wiggle room so that if the unexpected rears its ugly head, you’ll be prepared.

Janine Druery EDITOR Janine.Druery@wall2wallmedia.com

6

WINNIPEG HOME & CONDO G UID E

GORGEOUS 1750 SF ISLAND LAKES CABOVER

ABSOLUTELY STUNNING ALMOST 1600 SF BUNGALOW

YOUR LOCAL WINNIPEG REALTOR, HELPING YOU EVERY STEP OF THE WAY!

419,000

449,000

$

$

This beautiful 2008 built Island Lakes home has 6 bedrooms and 3 full baths. The backyard has a nice 2-tiered deck and is fully landscaped. Call to book an appointment.

Amazing Value! Stunning home located on a quiet cul-de-sac in a matured part of River Park South. This would make a wonderful family home.

TOP FLOOR PENTHOUSE SUITE

LUXURIOUS CONDO COMPLEX AT LEGENDS OF CREEK BEND

239,000

$

Very Sought After Penthouse Suite! 2 Bedroom, 2 Bathroom condo in East Kildonan Estates. Large outdoor balcony overlooking the courtyard. Heated indoor parking spots. A must see!

2 Bedroom former show suite with all of the bells and whistles for a fraction of the price of buying brand new! This unit features dark laminates, dark maple cabinets and new stainless steel appliances. Call to book an appointment. Don’t wait!

BEAUTIFUL 1660 SF HOME IN OAKBANK

BETTER THAN RENTING, BEAUTIFUL KENASTON CONDO

429,000

189,900

$

$

A real beauty. This home has a bright, open stained maple kitchen, and a huge master bedroom with deluxe ensuite walk-in closet. Come see for yourself!

Better than renting! Beautiful functional kitchen with newly painted cupboards, large pantry with shelving and patio doors open for a BBQ and in suite laundry. Come see before it’s gone!

GORGEOUS 2 BED CONDO

ATTENTION BUILDERS AND DEVELOPERS

129,900

Gorgeous 2 bed, 2 bath 1031 SF Loft Condo close to downtown.

FREE HOME EVALUATION

289,000

$

$

CHRISKENNY

AS LOW AS

100,000

$

Vacant building lots for sale starting as low as $100,000 in Royal Wood, Bridgewater Forest , Oakbank, Niverville, West St Paul and St Francois Xavier , (any builder, with no building time restrictions ). Please call for details! Act quick!

GET AN UP TO DATE IDEA OF WHAT YOUR HOME IS WORTH! TOP 5% OF ALL INDIVIDUAL REALTORS IN WINNIPEG 2011” SILVER MEDALLION AWARD WINNER - WINNIPEG REAL ESTATE BOARD, PLATINUM CLUB AWARD WINNER - (2011, 2012 REMAX OF WESTERN CANADA)

899.4858

204.

www.ChrisKennyHomes.ca www.ChrisKennyHomes.com

Call your Sage Creek, Royalwood, River Park South, Island Lakes, Southdale and St Vital specialist today for more information on these and other upcoming listings.

CONNECTING FAMILIES TO HOMES

1

S

$

In

PRESENTED BY PRAIRIE LIFE DEVELOPMENTS

www.theoaksidc.ca

1 2 3

The Oaks Condominiums are located only 8 minutes from the south Perimeter of Winnipeg in the community of Iles des Chenes.

PHASE

SOLD OUT!

PHASE

ONLY 3 LEFT

STARTING LOW $200’s (INCLUDES NET GST)

PHASE

OCCUPANCY SPRING, 2013

ONLY 6 LEFT

FALL POSSESSION HURRY! DISPLAY SUITE FOR SALE!

The units offer 1200 square feet of open concept living on the main floor complete with 2 piece bath. The second floor encompasses 3 good sized bedrooms and laundry station. The 4 piece bathroom can be accessed from the master bedroom as well as the hallway. The basement offers 600 sq. ft. for future development as well as roughed-in plumbing for 4 piece bath has been included. All appliances included: fridge, stove, washer, dryer, dishwasher, microwave.

One parking spot is provided per unit with the option of purchasing an additional stall for a second vehicle (first come basis).

These units are evidence to good planning and superb quality construction by Prairie Life Developments.

COME VISIT US DURING THE SPRING PARADE OF HOMES.

RENEE DEWAR E 730 ST. ANNE’S RD, WINNIPEG MB R2N OA2 204 979LIST@GMAIL.COM I WWW.979LIST.COM

204.979.LIST(5478) L I F E S T Y L E S

R E A L

E S T A T E

L T D

1205 St. Anne’s Rd. S TA R T I N G

AT

293,000+GST

$

Includes one underground parking stall

creekbendcondos.com

www.

Going . . . going . . . almost gone

Last phase Last chance We have several floor plans in our 2 bedroom + den models to choose from, some with river views. Each suite features stainless steel kitchen appliances, in-suite laundry equipment, central air, natural gas BBQ outlet, and more. The building boasts heated underground parking with storage lockers, stunning lobby entrance, bright and airy fitness room, large sauna, spacious common room, pool tables, and four guest suites.

Paula Carlson Janice Friesen

204-996-9525 204-330-2057

Visit us during the Spring Parade of Homes March 2ND - 24TH

SHOW SUITE HOURS: Mon & Wed 1:00 - 4:00 Thursday 4:00 - 7:00 Sat. & Sun 1:00-4:00 or call for an appointment outside these hours

ExcEPtionAl HomES witH: gEnErouS BAlconiES SPEctAculAr tErrAcES witH DirEct AccESS to tHE SEinE rivEr

Join A community of DiScErning conDo ownErS StaRting at

219,900

$

(gSt included)

For more information contact the Ross Sisters Laura Ross (204-999-5067) Marnie Ross (204-999-4363)

The RossSisters & Associates

Home_n_Condo_ad_v2.indd 1

now SElling

PHASE 3

the spectacular beauty of the historic Seine river combined with stylish, eco-friendly living. the oxbow gives you the best of both worlds. outStAnDing vAluE for your invEStmEnt

PluS luxury fEAturES At no ExtrA coSt:

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• High-end plumbing fixtures • Engineered Hardwood floors • Granite or caesarstone counter tops in Kitchen and bath • spacious 9' and 10' ceilings

Heated indoor parking concrete construction Energy efficient design 10 Unique Floorplans from 796 to 1,423 sq ft.

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Visit our fullyfinished show suite at the corner of St. Anne’s Road and Creek Bend Road.

For hours and more information visit our website.

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12-12-12 1:12 PM

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want to know

the value of your home? the answer is just 1 click away! analysis of your home’s I approximate value I emailed to your inbox!

www.ValueMyWinnipegHome.com hassle free, worry free EQUAL OPPORTUNITY HOUSING A free service of Jordan Katz Maximum Realty Ltd. 12

WINNIPEG HOME & CONDO G UID E

S

(

TRANSCONA CONDOS 1 Bedroom Suites available starting at $149,900

WEST END DELIGHT Suites starting at $119,900

Renovated from top to bottom Upgrades include new windows, kitchen, bathroom, flooring and the list goes on and on. Great location and close to all amenities, act fast. Quick possession is available. 1 parking stall included in purchase price.

These beautiful remodelled 1 bedroom condo units are within a short walking distance to U of W and HSC. All units include • Stainless Steel Fridge Stove Microwave • New PVC E/E windows • Gleaming hardwood floors • Spacious L-shaped living and dining rooms • Large bedroom with double clothes closet

To View Call For An Appointment

To View Call For An Appointment

2 Bedroom Suites available starting at $164,900

Steve Joyal

(204) 955-3900

Ron Lindsay (204) 797-4020

housingmarket

Housing starts to

gain momentum in late 2013

C

anadian housing activity will be lower in the first half of 2013, but will gain momentum by the end of the year and in 2014, according to a recent report from the Canada Mortgage and Housing Corporation (CMHC).

The CMHC’s first quarter 2013 Housing Market Outlook, Canada Edition shows that moderation in economic and employment growth in the second half of 2012 led to more modest housing demand. And, with continued moderation expected in the first half of 2013, total annual housing starts are expected to be lower in 2013 than in 2012.

However, with fundamentals including employment, economic growth and net migration expected to gain momentum later in the year and in 2014, housing starts are expected to trend slightly higher next year.

14

WINNIPEG HOME & CONDO G UID E

“CMHC expects housing construction activity will trend lower in the first half of 2013, before gaining more momentum by the end of the year as economic and employment growth remain supportive of the Canadian housing market,” says Mathieu Laberge, Deputy Chief Economist for CMHC. “In 2014, improving economic conditions may be partially offset by a slight moderation in the number of first-time homebuyers, and potential small and steady increases in mortgage interest rates.”

On an annual basis, housing starts are expected to range between 178,600 to 202,000 units in 2013, with a point forecast of 190,300 units, following a level of 214,827 units in 2012. In 2014, housing starts are expected to range from 171,200 to 217,000 units, with a point forecast of 194,100 units.

Existing home sales are expected to range between 418,200 to 484,000 units in 2013, with a point forecast of 451,100 units, following a level of 453,372 in 2012.

In 2014, Multiple Listing Service (MLS) sales are expected to range from 439,600 to 505,000 units, with an increase in the point forecast to 472,300 units.

The average MLS price is forecast to be between $356,500 and $378,500 in 2013 and between $363,800 and $390,800 in 2014.

CMHC Market Analysis standard reports are available free for download at cmch.ca/ housingmarketinformation.

D L SO IN 1 DAY

D L O

S

174 ARLINGTON $194,900

184 BRIDGEWOOD DRIVE $389,900

Best value in Wolseley. Needs cosmetics but straight and solid.

Vendor says dry basement. Low cost of ownership, average utilities costs less than $150 per month. This is your chance to get into Wolseley and be in your new home by the Spring.

To be custom built by Gino’s Homes.

Spacious 1500 square foot bungalow plan. For specific details come visit us at our showhome at 59 DENNIS LINDSAY ROAD.

NOT EXACTLY AS SHOWN

NEW 51 DOUBLEDAY DRIVE

67 BRUNKA PLACE $379,900

Great solid 3 bedroom 3 bathroom bungalow in a great family area.

Features an L shaped living room/ dinning room combo, spacious kitchen, fully finished basement with recroom, games room/family room with wood burning fireplace, wet bar and extra room perfect for a home office with attached 3 piece bathroom.

Brand new 1500 square foot 2 storey to be custom built to your specifications. No house currently on this lot, sample plan only, picture is of a previously completed plan.

NOT EXACTLY AS SHOWN

NOT EXACTLY AS SHOWN

for more info go to www.100massaliadrive.com

NOT EXACTLY AS SHOWN

for more info go to www.80massaliadrive.com

75 BRUNKA PLACE $364,900

Brand new 1200 square foot bungalow to be custom built to your specifications. No house currently on this lot, sample plan only, picture is of a previously completed plan.

Brand new 1800 square foot bungalow to be built by Gino’s Homes. Similar plan and options as our current show home at 59 Dennis Lindsay Road. Build as advertised for this price or choose a different plan and options or have new plan custom designed. Features 3 main floor bedrooms, a large open great room concept, a fully finished basement with a 3 piece bathroom and 2 extra bedrooms, over sized 22x22 foot double attached garage, upgraded exterior with stone finish.

Beautiful park lot with view of the lake. Price is subject to change without notice (prior to purchase).

80 MASSALIA DRIVE $669,900

278 AMHERST $184,900

D L SO

2200 square foot bungalow to be custom built by Gino’s Homes in the final phase of lake lots to be developed. 3 bedrooms, a full walkout basement with piles, steel beams and structural wood floor, allowances for upgrades to exterior, hardwood and ceramic floors, 9 foot main floor ceilings, granite counter tops in addition to all of Gino’s high quality standard items such as oak trim and doors, maple kitchen cabinets and bathroom vanities, gas fireplace, rounded drywall corners, triple attached garage, etc. Build as advertised for price shown or have your own plan custom designed and choose your own options (price adjusted accordingly). Price includes lot and g.s.t.

D L O S

100 MASSALIA DRIVE $549,900

50 TERRY SCOTT BAY $399,900

Wonderful Bruce Park location, meticulously maintained and upgraded bungalow, perfect for singles, young couples with low taxes and monthly costs. Detached garage currently used as storage, car door closed off on inside. Newer windows with transferable warranty, ask for details. Low cost of ownership on this well located and cozy home.

Furnace installed in 2009, Sump pump 1/2011, roof shingles installed May 1997 with 20 yr warranty from install date, All newer windows with warranties, Exterior House Vinyl Coating 5/2008.

ONLY 19 LOTS AVAILABLE

To be built by Gino’s Homes. 1600 square foot bungalow featuring 3 bedrooms, 2 bathrooms. Built on piles.

Built as advertised for price shown or have your own plan custom designed and built to your specifications.

Pictures of a completed plan, sample only as there is currently no house built on this lot.

1.37 acre lot available in new upscale subdivision in West St. Paul. Frontage 177 feet, total lot size 59,677 sq. ft.

Choose your own builder and build your dream home in a peaceful country setting just minutes away from the city and all its conveniences.

Jordan Katz & Associates IF YOU ARE PLANNING TO BUY OR SELL A HOUSE AND NEED GREAT RESULTS CALL NOW

Jordan Katz TEAM LEADER

More Listings Available - Not Shown here!

Call for Details 204-777-9999 or Email katzhomesellingteam@live.com

Priscilla Santos Marc Goldberg TEAM ASSOCIATE

TEAM ASSOCIATE

WINNIPEG HOME & CONDO G UID E

15

PHASE 4 COMING SOON

PHASE 3 90% SOLD PHASE 2 SOLD OUT

Global Inspiration, Local Connection, Community Living Spacious, Luxurious Suites. Convenient Amenities and a Community Feel Combined with Walking Paths and a Park. New Development ideal for Couples and New or Growing Families. Carefree Living!

WINNIPEG’S NEWEST CONDOMINIUM COMMUNITY LUXURY CONDOS

TREMENDOUS VALUE

Why Rent? Own for Less i n t r o d u c i n g

TOWNHOUSE CONDOMINIUMS

189,900

$

503

$

+ GST

/BI-WEEKLY* CMHC Approved Zero down Payments start at Includes principal, interest, property taxes and condo Qualifi ed W I N N I Pto EG ’S NEW E SBuyers T CONDOMINIUM COMMUNITY fees. *OAC Variable rate mortgage

Amazing Features P H A S

• Geothermal heating and cooling • High quality finishes • Quartz stone countertops E 1 N O W S •EGlass L L mosaic I N Gtile!backsplashes • High-end wood cabinets • Energy star stainless steel appliances BEDROOMS • In-suite washer and dryer BATHROOMS W hy R e n t ? •OBackyard w n fo rdeck L e sand s balconies • New Home Warranty • Parking stall included • Onsite Management

2&3 1 & 1/2

Townhouse Condominiums

Show Suites NOW OPEN

1225 Troy Ave. - Unit 1 Show Payments startSuite at $ Hours Mon - Fri 1 - 6pm I Sat & Sun 1 - 4pm $ /BI-WEEKLY* or call for appointment + GST Walter Parfeniuk 204-795-9400 Ashely 204-979-1156 DISTINCTIVE Realty Services www.TerraCommons.ca • Geothermal heating and cooling I walter@parfeniuk.ca

433

179,900

2 &3 2 &3

BEDROOMS BATHROOMS

Show Suites

Includes principal, property taxes and condo fees *OAC Variable rate mortgage

• High quality finishes • Quartz stone countertops • Glass mosiac tile backsplashes • High-end wood cabinets • Energy star stainless steel appliances • In-suite washer and dryer • Backyard deck and balconies • New Home Warranty

N O W

O P E N

1225 Troy Ave. • Unit 3 Show Suite Hours Mon - Fri 1 - 7pm Sat & Sun 1 - 4pm or Call for appointment Bruce or Glen Harvey 477-5000 www.TerraCommons.ca

THANK YOU

TERRA COMMONS HOME BUYERS

T H A N K YO U A L L T E R R A C O M M O N S H O M E BU Y E R S

!

NOW UNDER CONSTRUCTION

POSSESSION SUMMER 2013

s

T

*

o e

m

S

Would you drive 20 minutes to save $30,000?

Best Condo value in Manitoba with heated underground parking!

The Country Community of Landmark, MB 17 SUITES

222,900

$ 204.989.7938

tniblock@mts.net www.niblockrealestate.com

1029, 1119 & 1409 SF SUITES 2 & 3 BEDROOM UNITS

OR LESS

G.S.T. Included

www.parkbridgecondos.ca DISPLAY SUITE AVAILABLE FOR VIEWING IN WINNIPEG

Heated Underground Parking Four Appliances Included In-Suite Laundry Forced Air Heating and Cooling Elevator Storage Lockers Condo Fees $185/month

hottopic

How to make tax time less taxing

T

here’s an old adage that there are two givens in life, death and taxes, and both are cause for stress. Few Canadians look forward to doing their annual tax fi ling, but there are ways to take some of the drudgery out of the season.

Cleo Hamel, senior tax analyst at H&R Block Canada, suggests the following simple steps to make tax time less taxing:

Year-round planning Reducing your taxes owed takes a little

bit of planning during the year. Maximize your return by taking advantage of key dates. For example, make your charitable donations before December 31 or, if you have a little bit of extra cash, consider making additional RRSP contributions during the first 60 days of the year to help reduce your tax payable.

Reduce your worries Several Canadians are fearful of fi ling

their own taxes and making mistakes on their annual return.

Hamel suggests buying tax soft ware products that provide you a step–by–step guide to fi ling your taxes so that you don’t miss any credits or deductions.

ORGANIZATION IS KEY TO REDUCING STRESS AT TAX TIME. KEEPING ALL YOUR RECEIPTS (CHILD CARE COSTS, RRSP CONTRIBUTIONS, CHARITABLE DONATIONS, PUBLIC TRANSIT PASSES AND RECEIPTS, MEDICAL EXPENSES, ETC.) IN ONE PLACE WILL MAKE FILING THAT MUCH EASIER.

18

WINNIPEG HOME & CONDO G UID E

Worried about being audited? Some

tax packages like H&R Block At Home boxed soft ware offer the peace of mind of free audit assistance. That means you can access a tax professional to help manage correspondence with the Canada Revenue Agency (CRA), should you get an audit request after doing your taxes yourself.

Keep records in one place Organization

is key to reducing stress at tax time.

Keeping all your receipts (child care costs, RRSP contributions, charitable donations, public transit passes and receipts, medical expenses, etc.) in one place will make fi ling that much easier. It also ensures that you take advantage of all the credits and deductions available to you.

WINNIPEG HOME & CONDO G U I D E - PR EM I ER PRO PERTIES

1

South Winnipeg’s Most Exclusive Gated Community

Call Today

for Your Priority Appointment

• Starting at 1700SF • Superior materials and construction • Large lots with triple garage on all units • Custom finishing options

Call

Matthew Nicolas or Jim Wall to start planning your dream home

Sutton Group – Kilkenny Real Estate

(204) 475-9130 mnicolas@sutton.com jwall@sutton.com

www.creekbendhollow.com www.whatsbetterthansold.com This is not intended to solicit currently listed properties.

NOW SELLING

y

GRAND OPENING

Show suite 155 Sherbrook • Sherbrook Street south of Broadway Ave • Starting in the $180’s • Concrete and Steel Construction • High quality granite kitchens with stainless steel appliances

Lynne Dubienski

204.295.9067 sandhudevelopments.com

Winnipeg’s Hottest Selling Condo

30% Sold!

DOWNTOWN’S NEW LUXURY STANDARD Soon to rise on the banks of the Assiniboine river at 390 Assinboine Ave., this striking new 24 storey condominium offers a collection of suites boasting breathtaking views of the river and city center.

The ultimate in luxury features and finishes including Scavolini designer kitchens. Superb amenities. Heated parking. Neighbouring the legislative building and close to the Forks, this prime location is steps from fashionable restaurants, bars, bistros, cafes and Winnipeg’s major cultural attractions.

2 Bedroom Suites starting from $269,900 (plus GST) 3 Bedroom Suites starting from $497,900 (plus GST) Penthouse Suites available

Visit the Sales Office and Model Suite Today

Dcondo.ca SALES OFFICE

LYNNE DUBIENSKI

N

204-295-9067

Y

Rendering is artist’s concept only. Prices and specifications are subject to change without notice. E. & O. E.

SAND-DCO-A-AD-NHCwinn-JAN9-5.indd 1

L e fl i m w w e e g o o a

13-01-11 8:21 AM

$1.7 Million

a

Live luxuriously, entertain impressively and relax unconditionally in an environment that caters to your every need. State of the art detail to the floor plan, quality and finish of this high end construction. Privately situated in splendor backing onto the red river with a panoramic view. From the moment you enter this beautiful home with exquisite welcoming large foyer with soundproof walls to the entertainment room, open concept great room with vaulted ceilings, large windows throughout to expose natural light, family/ entertainment room with wrap around balcony on two levels. Stunning glass etched doors with handles of 14K gold from Paris. The beautiful Paradiso granite flooring throughout. Designer kitchen overlooking the beautiful view of the river while enjoying that cup of coffee. Absolutely gorgeous open loft overlooking the front foyer and great room, fabulous for entertaining with an orchestra and more. Very private and secluded in this high end area.

NANCY LEMIEUX-BOHEMIER Your friendly real estate professional

8:21 AM

Phone: (204)981-4821 Fax: (204)235-0521 Email: nancy@mcre.ca 1046 St. Mary’s Road, Winnipeg, MB R2M 5S6

NORTH RIVER HEIGHTS

COMPLETE TRANSFORMATION ACHIEVING NEW HOME STANDARDS TWO STOREY - OFFERED AT $569,800

ROD PEELER

This completely renovated home boasts 2000 sq. ft. plus a professionally finished basement. The main floor features a modern open concept with gas fireplace, living room, dining room, great room, state of the art kitchen, laundry room, bathroom and mudroom. Flooring is rich ¾” birch hardwood, counters are white quartz – cabinetry is shaker style maple & s/s appliances. The upper level has four bedrooms, the master features a four piece ensuite with heated floors and a huge walk in closet. A second full bathroom completes this level. The basement is fully finished with a family room and bathroom. Oversized detached single garage. This complete renovation includes new windows, wiring, plumbing, HE furnace with HRD heat exchange, water tank, newer central air – maintenance free exterior. Totally Reinsulated. Essentially a new home

real estate “I never sleep” Thank you Winnipeg for 30 great years “I am going for 40” I would be pleased to assist you with The Selling or Purchasing of your RESIDENTIAL HOME, CONDOMINIUM, INVESTMENT, COTTAGE PROPERTY For a no obligation consultation please call Rod Peeler

204.477.0500 rodpeeler@remax.net

professionals

Each office independently owned & operated

PAY DOWN CREDIT CARD DEBT. BY DECREASING YOUR PRINCIPAL, YOUR INTEREST PAYMENTS WILL ALSO LOWER, LEAVING A LITTLE MORE BREATHING ROOM AT THE END OF EACH MONTH.

TOP EXCUSES FOR PROCRASTINATING ON YOUR TAXES It’s that time of year again: tax-fi ling season.

If your spouse, a friend or a tax professional is trying to get you to fi le your taxes, H&R Block Canada has prepared a handy list of Top 10 Excuses which will be sure to get those pests off your back.

1 I decided to fi le my nails instead of my

Yield a big return

taxes.

In today’s economy it seems our tax returns can’t get here fast enough. Who doesn’t love a little extra cash in their pocket? Here are some small suggestions that will help yield big returns.

1. Pay down credit card debt. By decreasing your principal, your interest payments will also lower, leaving a little more breathing room at the end of each month.

2. Place money in a savings account. If you’ve been eyeing travel

brochures or checking price drops on that 50-inch flat-screen television, putting a portion of your tax return into a savings account will help you reach your goal faster.

3. Make a donation. The rising costs for everything from food to

transportation around the world mean that non–profit organizations and charities working in developing countries are also feeling the pinch. “For example, it now costs more for our field workers to provide daily meals to children in school and to bring necessary medicine and vaccines to health clinics,” says Mark Lukowski, CEO, Christian Children’s Fund of Canada. “But most of all, it is stressful for the children and families who were already living in poverty and who now wonder how they can afford a bag of rice or their children’s school fees.” Give a gift to help someone in need at ccfcanada.ca.

4. Service your car. Cars always need repairs at the most inconvenient times. Repairs can be very costly and be a large burden if funds are not ready available. Servicing your car with your tax return is a proactive way to avoid these irritating repairs. Not to say you will not run into trouble, but perhaps this tune-up will help to prevent unexpected costs later on.

2 I’m not coming out of my house until this “skinny jeans” thing passes.

3 Chuck Norris never had to fi le taxes.

Why should I?

4 I’m waiting for the Leafs to win the Cup.

5 I’m busy today. Gym. Tan. Work.

6 I have triskaidekaphobia, fear of the number 13.

7 If I fi le my taxes for 2012, it will draw

attention to the fact that I didn’t do them in 2011 or 2010.

8 I’m busy trying to keep up with the Kardashians.

9 I have two kids in university. I no longer have any income to declare.

10 I was about to fi le my taxes but Kanye West interrupted me.

If you’re tired of procrastinating, Hamel suggests, “Whether you will be writing a cheque to the Receiver General or fi ling for a refund, be sure to get the best outcome possible. If you do your taxes yourself, using tax soft ware products like those available at hrblock.ca will help make sure you get back all the money you deserve or pay the least amount of tax possible.”

5. Splurge. Use a portion of your tax return to reward yourself for all the hard

work you have done all year long. Updating your wardrobe or purchasing a new toy will help you feel great and inspire you to behave until next year’s tax return.

While these tips may seem small and simple, each will yield large returns.

Planning before spending will allow you to do the most with the money you receive. NC

WINNIPEG HOME & CONDO G UID E

19

204-784-6617

204-355-8770

A

shirley@fehrrealestate.ca

52 Linden Lakes - Oakbank

in Oakbank Ready for its FIRST family. This custom built home really does offer the finer things in life from its 10’ ceilings to the Bamboo hardwood floors. The master suite offers a truly spa ensuite featuring its two person shower, its soaker tub, heated tiled floor, double sinks and a huge walk in closet. Gorgeous living room with Beautiful picture windows and a gas fireplace surrounded by stone from top to bottom.

Formal dining room, 2 additional bedrooms and another full bath round out the main floor. Call for other details. Immediate possession available.

5 Towler Way - Oakbank

P

Brand new and Affordable. This lovely 1464’ home offers 3 bedrooms and a spacious open floorplan with gorgeous hardwood floors. Bright living room with a west frontage bringing in natural lighting and features a fireplace and a trayed ceiling. Full lower level ready for development, double garage and concrete driveway. 5 year home warranty attached. Ready now for you to enjoy!

2 Jessie Street - Oakbank

Willow Lane Condo’s - the first project of its kind in this family friendly community located a short 10 minutes from Winnipeg. Here you will find all the amenities and yet that small town feel. Willow Lane Condo’s offers 2 and 3 bedroom units from the main floor to the second and third floor. Each unit offers quality maple cabinetry, breakfast bar or island, rich looking laminate flooring, laundry/storage room and don’t forget about the south (some with west) facing back decks or balconies.

Starting at

$

199,900

Its time to stop renting and enjoy life in this affordable brand new project.

Construction has started on these side by side homes located in Oakbank - a very short commute into Winnipeg. These units offer 1225’ with two bedrooms, contemporary floorplan and a huge back attached and covered deck. or choose 1103’ unit with 3 bedrooms also boasting a contemporary floorplan. All units offer an attached garage w/remote openers, full lower level ready for development, concrete driveway and a landscaped front yard. The time is now to choose your unit and to add your personal touch. June possessions available.

www.FehrRealEstate.ca

Like me on facebook at Fehr Real Estate, Shirley Fehr Realtor Follow me on Twitter at ShirleyFehr1

w

0

NOW PRE SELLING,

A DISPLAY SUITE IS AVAILABLE FOR VIEWING BY APPOINTMENT

a

s s d ul m. e

a h d e

a s, e er t, ur

hr or

1

PRICED FROM

232,900

$

GST

INCLUDED

OVER 60% SOLD w w w. f t r i c h m o n d c o n d o s . c o m

204.989.7938

tniblock@mts.net www.niblockrealestate.com

All suites feature Maple cabinetry, stainless steel appliances, 2 or 3 bedrooms, in suite laundry room and forced air heating and cooling. The building features heated underground parking, central elevator and a separate storage locker for each suite.

There are 3 floor plans available at 1023, 1118, and 1409 sq. ft.

BUNGALOW CONDOS located only 10 min from Winnipeg

St. Adolphe starts at

$251,900 (subject to change without notice)

284,900!

$

incl. gst

Laura Stuart 204.475.9130 SUTTON GROUP KILKENNY REAL ESTATE

Breathtaking 1370 sq. ft. open concept bungalow condo with 2 bedrooms, 2 baths, spacious kitchen & breakfast nook, dining room with garden doors to a sunroom, main floor laundry and full basement. Comes with front porch, concrete drive and double attached garage.

Another quality development by RS Capital Corporation www.rscapitaldevelopments.com

S

n

Come Visit Our Show Home during the Spring Parade Of Homes from March 2nd - 24th.

Show Home hours are Monday - Thursday 3 - 8 pm Saturday - Sunday Noon - 6 pm

gehomes.ca

F e at u r e s & A m e n i t i e s

www.

AN ENDURING FIRST IMPRESSION

Stucco accented with feature trim build-outs and cultured stone exterior ADDED FEATURES

Attached garage Full basements for future development 60 gallon electric hot water heater 94% High efficiency forced air gas furnace Central air conditioning Heat recovery ventilator Water softener

Located in the quiet community of Oakbank only 10 minutes from Winnnipeg. G&E Homes offers these brand new condos starting at $251,900 with several plans to choose from. duplexes and single family units available.

INTERIOR FOR COMFORT AND STYLE

Thermofoil Soho cabinetry Short shag carpet Vinyl flooring in all baths, laundry & mudroom Porcelain tile in foyer Laminate flooring in living, dining, kitchen & hall Window roller-blind package LANDSCAPE FEATURES

Concrete driveway & sidewalks to front entry 12’x10’ cedartone deck Sodded green space

RE/MAX PERFORMANCE REALTY

WILFFEHRREALTY.CA

starts at

251,900

$

(subject to change without notice)

Wilf Fehr

204-355-8200 I 204-784-6617

Make The Discovery!

Monterey Park!

Headingley!

Better hurry on this one! Fabulous Artista bungalow built in 2009. Bright and Sunny Great Room Plan, Dark Maple flooring, Gas fireplace. Soaring Ceilings. Formal Dining Room. Cappuccino Cabinets, Stainless steel Appliances. Total of 4 BR’s 2 up & 2 Down, 3 full bathrooms, Master Bedroom large walk in closet, deluxe ensuite, whirlpool tub and separate shower.

Professionally finished basement. Huge Rec room, 2nd Fireplace, 2 bedrooms, den/office and 3rd full bathroom. Triple attached garage, insulated, Heated.

RV Pad with plug ins. Large pie shaped fenced yard 1/3 acre, pergola, Patio.

Professionally landscaped, overlooks green space. Just 5 minutes from the perimeter! WHY BUILD? IT’S ALREADY HERE! Remainder of 5 year new home builders warranty.

$579,900

Joanne Gebauer Surrounded by Success 204-889-9500 Providing professional service with 30 years of experience.

#1 RE/MAX Female Individual Agent Manitoba 2012

It pays to use a REALTOR®

executives realty

joanne@joannegebauer.com

www.joannegebauer.com

Heart set on a new home?

I love buyers

& I’ll prove it to you I know your home is where your heart is and that’s why I provide a professional, efficient approach to your home buying search from beginning to end.

I PROVIDE • Complete buyers’ education: “What are the homes actually worth.”

• Up to the minute listing activity in your desired neighbourhood • Customized home buyers package • Skilled and dependable representation • Expert negotiating on your behalf • Complete confidentiality in offer presentation and negotiation • Comprehensive buyer Resource Center • Debbie has quick access to advice from lawyers, bankers, inspectors, etc. anytime

“Understanding my client’s needs, lifestyle and which neighbourhood will work for them is my priority” Call for a no obligation interview and see how you feel about Debbie Hirsch working for you

Debbie Hirsch REALTOR®

204.489.4500

www.hirschhometeam.ca Cornerstone Real Estate

WINNIPEG HOME & CONDO G UID E

25

Come Join our

ALL MONTH

“PARADE OF HOMES” in Meadowbrook Villas, Sanford priced from $195,900.00 to $300,000.00

Meadowbrook Villas is a 50+ active living condominium community located on the LaSalle River in Sanford

12 minutes south west of KENASTON COMMON ON MCGILLIVRAY BLVD. AND HIGHWAY 3. Meadowbrook combines the highest standard of manufactured home living with beautifully landscaped grounds in a relaxed natural setting.

The homes offer 1216 to over 2100 sq. ft. of living space complete with a double garage.

Our custom built homes feature a master bedroom w/ensuite, 1 or 2 additional large bedrooms, 2 complete baths, fully appointed kitchen, dining/living areas.

Starting from $195,900 plus GST. Condo fees $165 p/month including water.

DISPLAY HOURS: Saturday & Sunday 3:00 p.m.-5:00 p.m.

Blair Sonnichsen

204.989.5000

.

The Riverfront Community Centre is the social hub of the community featuring a common kitchen area, multi-purpose room for special events, crafts room and billiards and card playing area

Tuesday & Wednesday 5:00 p.m.-7:00 p.m.

Secured concrete piles create a stable platform for your home

www.Winnipeghomes.com

Tyson Sonnichsen

g or

Serving Winnipeg and surrounding area

1-877-984-PODS

pods.com/winnipeg

LUtiOnThe Best Moving &

Storage Idea Ever!™

Every situation is different.

Email our Winnipeg staff at pods-offers@hotmail.com to see if you qualify for a special offer.

Store on your site or in our secure warehouse Several sizes available

CANADIAN CANADIANOWNED OWNED&&OPERATED OPERATED

28

WINNIPEG HOME & CONDO G UID E

Trish Chyborak Sales Representative

Serving Winnipeg, Selkirk, St. Andrews and St. Clements

204.475.9130

Kilkenny Real Estate Independently owned and operated

tchyborak@sutton.com

3954 MOWAT RD, EAST ST. PAUL

WEST KILDONAN STARTER

5 Acres, 3+1 bedrooms, 3 baths. Rarely offered just 3 minutes from Hoddinott Road in peaceful East St. Paul. Built in 2007 on piles by Parkhill Homes featuring open concept floor plan with 10’ ceilings and walls of windows overlooking deck and West facing back yard. Fabulous finished basement with wide open rec room and wet bar. MLS 1302023.

Very cute 2 bedroom, 1 bathroom home in need of some upgrades.

Featuring hardwood floors, upgraded eaves, soffits and facia. Dry basement is unfinished with nice looking exposed concrete walls and waiting for your development ideas. Enjoy a quick walk to Kildonan Pack or a BBQ in your fenced back yard with single garage. MLS 1302936

To view these fine homes contact Trish Chyborak Sutton Group Kilkenny R.E. 204-475-9130 or Brad Lutz Royal Lepage Dynamic R.E. 204-989-5000

PERSONALIZED, KNOWLEDGEABLE, PROFESSIONAL CUSTOMER SERVICE. makeyourmove

Packing up for the move

M

b y Da n H o p k i n s to protect fragile belongings – newsprint from newspapers used to wrap items can be messy to clean up. Keep a record of what goes into which box.

oving homes can feel like an overwhelming task. But with a few deep breaths and these packing tips, you can conquer the move without losing your mind.

BefOre paCking You want to reserve your movers or moving company at least eight weeks prior to your move during busy periods. Once you have your movers selected, you can start to pack up your belongings in anticipation of their arrival. Some moving companies will even pack for you, simplifying and streamlining the moving process.

keep paCking If you stand back and look at everything you need to pack, you’ll be overwhelmed. Just start packing. If you start early enough, you can break up the packing process into a more gradual and less stressful experience. Save the items that you use daily to pack last and make sure to label each box.

STarT paCking Once you have determined your moving date,

start packing. Box up belongings that you don’t use often and store them somewhere out of the way. If you have kitchen supplies, occasional dishware like fine china, or small appliances that go unused on a daily basis, carefully pack them away a few weeks before the move. Make sure to use packing paper or bubble wrap

Dan Hopkins is Chief Operating Officer, Two Men and a Truck Canada. twomenandatruck.ca

WINNIPEG HOME & CONDO G UID E

29

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

That’s why we put you right in the middle of the search process.

3

Search your favorite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

Powered by

s o

POSSESSION DATE:

March 15TH 2013

UNIT 1 SOLD

UNIT 2

UNIT 3 UNIT 4 SOLD SOLD

UNIT 5

UNIT 6 SOLD

314 Main Street, St. Adolphe • 1286 plus sq. ft. of finished

living area on 2 levels • 3 Bedrooms, 1 ½ baths • 3 parking spots located in

front of each unit included in purchase price • 5 year National home Warranty on each unit • Low Condo Fees, $155.24 includes exterior maintenance, landscaping, snow removal, management fee and contribution to reserve fund.

O N LY

2

U N I T S L E F T:

Unit 2

204,900

$

(including net GST)

Unit 5

204,900

$

(including net GST)

Clarence Braun BUS: 204.475.9130 CELL: 204.791.2587 EMAIL: clareb2@shaw.ca

SUTTON GROUP KILKENNY REAL ESTATE

Managed by Stevenson Management Services

L

G

For commercial leasing opportunities please contact the administration office:

204-957-5904 Office hours: Monday - Friday 8:00 - 4:30 p.m.

Unit MZ 50 - 81 Garry St., Winnipeg

Looking for Prime Furnished Suites in Downtown Winnipeg?

FORT GARRY PLACE offers completely furnished one and two bedroom suites for short or extended term stays at very competitive rates. Included in the rate: in-suite laundry, weekly housekeeping, parking, utilities, high-speed internet, use of the pool, gym facilities on a pay as you go basis or monthly membership. Excellent downtown location, close to the Forks, shops, restaurants. for more information call 949-1010 ext. 263

G  W S S 

Fort Garry Place offers a unique environment that blends old-world charm with modern convenience.

“We moved last fall for a larger space at a reasonable price and Fort Garry Place had all the features we were looking for. The facilities are modern and well–maintained.

The Fort Garry staff are courteous, very helpful and professional, they’re always available when we need them. The on-site amenities are great as well, there’s a store, dry cleaning, restaurants and it’s just a short walk to the Forks” GERI NEILSON

Furnished apartments for business travellers. For information about our furnished suites please contact the Leasing office at 204-949-1010 ext. 263

Office Administrator, Affinity Achitecture

•

On-site management and maintenance staff as well as affordable enclosed parking

•

Affordable amenities for the busy executive including convenient access to entertainment, dining, shopping and the historic forks market

•

Wheelchair access from street level

•

Fully equipped gym, indoor pool and hot tub (membership required) as well as convention and banquet areas

moneymatters

Why are you in debt?

B y G a i l Va z - O x l a d e

O

ften people who are in debt say they no longer want to be in debt. And often they take the steps to get themselves out. But, it seems to me that just as often people who claim they want to get out of debt do little to change their behaviour and their outcome. They keep on doing the things that got them into debt in the first place. Here are a few questions you may want to ask about why you’re in the hole: ›› Do you buy stuff you don’t need? The biggest cue that you’ve got the impulse monkey on your back are the things you have bought but not used: the clothes with the tags still on, the shoes you have yet to wear, the new dishes you’ve used just once or twice in the six months that you’ve owned them.

Impulse shoppers are the first to admit they have a problem and the last to do anything about it. If you’re an impulse shopper, you need to remove the fuel for the impulse. That means cutting up your credit cards – or disabling them in some other fashion – and limiting the amount of cash you carry. It also means leaving your debit card at home unless you’re headed out to take care of a need: gas, groceries, etc. When you do go shopping, you have to use a list and never stray from it.

Window shopping is torture for the impulse shopper so don’t browse around in stores, since you’re just teasing yourself by drooling over a bunch of stuff you don’t need. ›› Do you use credit to buy things you can’t afford to buy with cash? When you spend money you don’t have by using your credit card, line of credit or overdraft, you’re doing the wrong thing, plain and simple. If you can’t afford to pay for something in cash today, you should not be buying that thing. I don’t care how important you think it is, how great a deal you’re getting, or how desperate you feel. Using credit is no way to get out of debt. Put away all forms of credit and commit to building yourself a budget that balances. If you want something, you’ll have to give something else up to accumulate the cash you need to buy it.

If you can’t come up with the cash, you must not want it badly enough. ›› Do you buy things for a one-time use that you could borrow from a friend or rent?

Practically everyone is guilty of this. You need something such as a sewing machine or power washer twice a year so you go and buy one and then watch it – and the money you spent, likely on credit – sit and grow cobwebs (and interest charges). What’s with us all? Do we have to own everything we ever use? In the old days, friends borrowed from each other and stuff got way more use. Now our possessions are so much a part of who we are we: a) hate to lend, and b) hate to have to admit we don’t already have one. And why do we feel the need to apologize because we don’t have the right kind of wine glasses when entertaining guests? “Sorry, I only have these cheap glasses.” It’s a glass, for heaven’s sake!

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WINNIPEG HOME & CONDO G UID E

›› Do you buy certain brands because they are a status symbol? While any car gets you from point A to point B, the high-cost, brand-name buggies come with “oohs” and “ahhs” from friends and relatives. Ditto with the D&G sunglasses, the LV handbags, the CL shoes . . . I could go on forever. If you’re paying a premium to have a brand name, you have to ask yourself why. Is it because you don’t have confidence in your own sense of style? Is it because you’re trying to emulate the dudes and dames of TV and movie fame, wearing what they wear, driving what they drive, eating what they eat? How come? Is your life so sad that you’re trying to escape?

Hey, I’m all for spending your money on the things that bring you pleasure, so if you’re not using credit to make expensive brands part of your image, I’m not talking to you. But if you are using credit, what makes you think you have the right to this stuff if you can’t afford to pay for it?

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

Homes that defy the ordinary.

For a list of all current StreetSide projects, please visit www.streetside.ca

Think Condo. Think StreetSide. | www.streetside.ca

Final Phase Now Selling REGISTER TODAY

SOUTH POINTE

BUNGALOW TOWNHOMES

2 STOREY TOWNHOMES

TOWNHOMES WITH GARAGE

PRICES STARTING FROM $199,900* *Prices do not include GST

204-558-JOYY (5699)

jumpforjoyy.com Joyy is Winnipeg's freshest new townhome project. Located in the desirable community of South Pointe, Joyy is close to the University and nestled in over 30 acres of park space threaded by over 4 km of trails. The community of South Pointe fits harmoniously into Mother Nature's design and healthy lifestyle. With attractive townhomes starting from $199,900* it's no wonder these homes are selling fast.

Act now as we don’t expect these homes to last. Register at www.jumpforjoyy.com © 2013 Oak Park Living. All rights reserved.