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Questions to Ask Yourself Before Upsizing
Thinking about moving into a bigger home? Upsizing is an exciting milestone, whether you’re welcoming new family members, craving more space, or simply ready for a change. But before you make the leap, it’s crucial to pause and ask yourself some important questions. The right answers will help ensure your next move is a smart, satisfying, and financially sound decision. Here are the top questions to consider before upsizing:
What Problem Are You Trying to Solve?
Start by identifying the core reason behind your desire to upsize. Are you struggling with a lack of space, needing a home office, or hoping for a larger yard? Maybe you’re thinking about long-term investment potential. Understanding your true motivation will help you focus your search and avoid costly mistakes down the line.
Do You Really Need More Space—or Just Different Space?
It’s easy to think a bigger home is the answer, but sometimes reconfiguring or renovating your current property can solve your issues. Could an extension or open-plan renovation provide what you need? Weigh the pros and cons of moving versus upgrading your existing home or making a more lateral move before making a decision.
What’s Your Budget—Now and in the Future?
A larger home means higher costs: not just a bigger mortgage, but increased utility bills, property taxes, insurance, and maintenance. Make sure you’re comfortable with these ongoing expenses, not just the purchase price. Consult with a mortgage broker or financial adviser to understand your borrowing power and future-proof your budget against rising costs.
How Long Do You Plan to Stay in Your Next Home?
Think about your long-term plans. If you’re upsizing for growing children, will you still need all that space in five or ten years? Consider whether your new home will suit your lifestyle as your needs evolve, so you’re not moving again sooner than you’d like.
Is the Location Right for Your Lifestyle?
A bigger home in the wrong location can quickly lose its appeal. Research neighbourhoods for access to schools, transport, work, and amenities that matter to you. If you love your current area, consider whether you can upsize nearby or even renovate instead.
What Are the True Costs of Moving?
Don’t forget about the hidden costs: legal fees, agent commissions, moving expenses, and the cost of furnishing a larger space. Make sure you factor these into your overall budget to avoid surprises.
Are You Buying for Today or the Future?
Picture your life over the next 5–10 years. Will your new home still fit your needs as your family grows, your work situation changes, or your interests evolve? Upsizing is a big investment, so make sure your next home supports the lifestyle you’re building toward—not just the one you have today.
Final Thoughts on Upsizing
Upsizing can be a fantastic way to enhance your lifestyle and invest in your future, but it pays to approach the decision thoughtfully. By asking yourself these key questions, you’ll be better equipped to make a move that truly fits your needs, your budget, and your dreams.
If you’re considering upsizing, reach out for a personalized consultation. I’m here to help you navigate every step of the process and find the perfect home for your next chapter.
Ready to upsize with confidence? Let’s talk about your goals and make your move seamless!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Defending Against Garden Pests Naturally
Sometimes, uninvited guests show up in your garden, leaving your plants fighting to survive. If you’re looking for harsh-chemical-free ways to keep your garden healthy and pest-free, here are some natural strategies to help your plants thrive.
Start with Healthy Soil
Strong, healthy plants begin with healthy soil. Mixing in organic compost not only fertilizes your plants but also helps them better withstand pest attacks. Well-nourished plants are naturally more resilient and less likely to succumb to infestations.
Choose the Right Plants for Your Space
Selecting plants that match your garden’s sunlight exposure is essential. Plants that receive the right amount of sun are less likely to weaken and become vulnerable to pests. Consider adding strong-scented plants like marigolds, chives, thyme, mint, and lavender. These aromatic plants naturally repel many common pests and attract pollinators, giving your garden an extra boost.
Mix It Up: Companion Planting and Crop Rotation
Planting a variety of species prevents pests from concentrating in one area. For example, alternate rows of vegetables with pest-repelling plants to create a natural barrier. Rotating your vegetable crops each year also confuses pests and keeps your soil healthy, reducing the risk of recurring infestations.
Early Intervention and Natural Predators
Keep a close eye on your plants. If you spot pests early, remove affected leaves or, if necessary, the entire plant to prevent the problem from spreading. You can also plant species that attract natural predators of common garden pests, adding another layer of defence to your garden ecosystem.
Physical Barriers: Row Covers
Row covers are a simple and effective way to protect your plants. They allow sunlight and water in while keeping pests out. Just remember to lift the covers for a few hours each morning so pollinators can do their important work.
Ready for More Space to Grow Your Garden?
If you dream of expanding your garden or want a home with more room to cultivate your green thumb, I can help! Contact me today to find your perfect home with the space you need for your ideal garden oasis.
May your garden flourish and may the pests steer clear!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Homebuyer Budgeting Exercise
Buying a home is one of the biggest financial decisions you’ll ever make. While it’s easy to get caught up in the excitement of open houses and online listings, the reality of homeownership comes with a new set of financial responsibilities. That’s why I recommend a simple but powerful budgeting exercise to help you prepare: Pretend Like You Own a Home.
Step 1: Examine Your Current Budget
Before you start house hunting, take a close look at your income and expenses. Track every dollar you earn and spend for at least a month. This will give you a clear picture of your financial health and help you identify areas where you can cut back if needed.
Next, speak with a mortgage agent. They’ll help you understand what you can comfortably afford based on your financial situation, current interest rates, and available loan products. This step is crucial: it grounds your expectations in reality and prevents you from falling in love with homes outside your budget. Have questions about home budgeting? Let’s chat! I also work closely with some fantastic local mortgage agents and would be happy to connect you.
Step 2: Make Practice Payments
Here’s where the exercise gets real. Take the amount you’d expect to pay each month for your mortgage, based on your lender’s estimate, and physically move that money into a high-yield savings account. Do this every month, just as if you were paying a mortgage.
This “practice payment” does two things:
- It helps you adjust to living on your new budget before you commit to a mortgage.
- It builds up your savings, which can be used for your down payment, closing costs, or an emergency fund.
Step 3: Factor in Additional Expenses
A mortgage payment is just one part of the cost of homeownership. Don’t forget to include:
- Maintenance and Repairs: Experts recommend budgeting at least 1% of your home’s value each year for upkeep.
- Property Taxes: These vary by location and can change annually.
- Utilities: Your new home may have higher hydro (electricity), water, and heating bills than your current place.
- Insurance: Homeowner’s insurance is required by lenders and protects your investment.
Add these estimated costs to your monthly “practice payment” to get a true sense of what your future budget will look like.
After Months of Practice…
After several months of making these practice payments, you’ll have a clear, realistic understanding of what homeownership will feel like financially. You’ll know exactly what you can afford, and you’ll be confident making offers on homes within your budget.
If your new payment exceeds your current one (be it rent or a mortgage), start tucking away the extra cash each month. Does your budget still fit? If not, it could be a sign to rethink the type, location, or size of the home you’re eyeing.
Final Thoughts on the Homebuyer Budgeting Exercise
This exercise isn’t just smart—it’s empowering. It helps you accurately imagine the new expenses of owning a home within the boundaries of your current budget. Plus, you’ll have extra savings set aside for when you’re ready to make your move. Contact me to schedule a free, no-obligation buyer consultation for more personalized real estate information.
Disclaimer: This blog post is for informational purposes only and does not constitute financial or legal advice. Everyone’s situation is unique—please consult with a qualified mortgage professional, financial advisor, or real estate expert for personalized guidance before making any major decisions.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Bruce County Housing Market Update | June 2025
Welcome to the Bruce County Housing Market Update for June 2025!
In this post, you’ll find the latest listing stats for Arran Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. Whether you’re actively in the market or just keeping an eye on local trends, this month’s report will help you make sense of what’s happening in your community and what it could mean for your next move.
Bruce County Housing Market Update for June 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Grey County Housing Market Update | June 2025
Grey County’s real estate market continues to evolve as we move through 2025. Whether you’re eyeing the slopes in Blue Mountains, the quiet countryside of Chatsworth, or the vibrant community of Owen Sound, knowing what’s happening in the local housing market can help you plan your next move wisely.
In this update, we’re breaking down the latest trends and numbers for Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey, giving you clear insights into what’s driving prices, inventory, and buyer activity this June.
If you’re thinking about buying, selling, or just staying informed, here’s what you need to know about Grey County real estate right now.
Grey County Housing Market Update for June 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Creating a Kid’s Room They’ll Love to Spend Time In
As a real estate agent, you know that a well-designed kid’s room can be a major selling point for families looking for their next home. But even beyond real estate, parents are always searching for ways to create inviting, functional, and fun spaces for their children. Here’s how you can to design a kid’s room that’s both practical and magical.
Start with Safety and Comfort
Before diving into decor, ensure the room is safe and comfortable. This means:
- Childproofing: Secure furniture to the wall, cover electrical outlets, and choose non-toxic materials.
- Soft Lighting: Use gentle, adjustable lighting to create a cozy atmosphere.
- Comfortable Bedding: Invest in quality mattresses and soft, washable bedding.
Personalize with Their Interests
Kids love spaces that reflect their personalities and interests. Involve them in the design process:
- Favourite Colours and Themes: Let them pick a colour palette or theme—whether it’s dinosaurs, space, unicorns, or superheroes.
- Wall Art and Decals: Use removable wall decals or framed artwork that can grow with them.
- Personal Touches: Display their artwork or favourite books on open shelves.
Maximize Space and Functionality
Small bedrooms can still be big on fun. Smart storage and flexible layouts make all the difference:
- Multifunctional Furniture: Consider loft beds with desks underneath, or beds with built-in drawers.
- Organized Storage: Use bins, baskets, and labeled containers to keep toys and clothes tidy.
- Flexible Zones: Create separate areas for sleeping, playing, and studying.
Encourage Creativity and Play
A kid’s room should inspire imagination and play:
- Reading Nook: Add a cozy corner with pillows, blankets, and a small bookshelf.
- Art Station: Set up a table with supplies for drawing, crafting, or building.
- Interactive Elements: Chalkboard or whiteboard walls encourage creativity and can be easily updated.
Make It Easy to Update
Kids’ tastes change quickly. Design a room that’s easy to refresh:
- Neutral Base: Use neutral walls and furniture so accessories and decor can be swapped out.
- Modular Decor: Choose items that can be rearranged or replaced as interests evolve.
- DIY Projects: Encourage families to personalize the space with simple, reversible DIY projects.
Final Thoughts
A thoughtfully designed kid’s room not only makes everyday life more enjoyable for children but can also be a standout feature in a real estate listing. By focusing on safety, personalization, functionality, and flexibility, you can create a space that kids truly love to spend time in.
If you’re looking to buy or sell a home with family-friendly features, reach out—I’m here to help you find the perfect space for your family’s needs.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Summer Home Decor Inspiration
As the days get longer and the sun shines brighter, summer is the perfect time to refresh your home with light, breezy touches that capture the carefree spirit of the season. Whether you want to create a relaxing retreat or simply infuse your space with cheerful energy, these summer home decor ideas will help you bring that unmistakable summer feeling indoors and out.
Embrace Light and Airy Fabrics
- Swap out heavy blankets, velvet pillows, and dark textiles for lighter materials like cotton and linen. These fabrics not only feel cooler but also look fresh and inviting.
- Consider white or pastel slipcovers for sofas and chairs, and opt for sheer curtains to let in maximum natural light.
Bring the Outdoors In with Greenery
- Add indoor plants such as succulents, fiddle leaf figs, or snake plants to brighten up your rooms and improve air quality.
- Fresh flowers—like hydrangeas, tulips, or wildflowers—instantly add colour and a touch of nature to your living spaces.
Infuse Your Space with Color
- Summer is all about bright, bold hues. Incorporate pops of colour with throw pillows, area rugs, or even a painted accent wall.
- For a classic summer vibe, layer shades of blue and white, or try cheerful tones like aqua, lemon yellow, or coral.
Incorporate Natural Materials and Textures
- Use rattan, wicker, seagrass, or jute in furniture and accessories for a breezy, coastal-inspired look.
- Woven baskets, bamboo trays, and light wood accents bring warmth and a relaxed, vacation-like feel to any room.
Update Your Artwork and Accessories
- Rotate your artwork to feature beach scenes, botanical prints, or vibrant abstracts that echo the season’s energy.
- Create small summer vignettes with baskets, trays, candles, and decorative objects in light, natural materials.
Declutter and Simplify
- Reduce visual clutter by editing accessories and minimizing heavy décor. A more open, streamlined space feels instantly cooler and more relaxing.
- Store away heavy throws and extra pillows, keeping only what you need for comfort and style.
Create Inviting Outdoor Spaces
- Transform your patio, balcony, or backyard into a summer retreat with cozy seating, string lights, and plenty of cushions.
- Add an outdoor rug, chic lighting, or a fire pit for evenings under the stars.
Refresh with Scent and Light
- Use candles or diffusers with fresh, citrusy, or floral fragrances to evoke the essence of summer.
- Maximize natural light by keeping windows uncovered or using sheer window treatments.
Quick Tips for an Effortless Summer Look
- Switch out dark planters for colourful or clear glass vases.
- Add summer stripes through rugs or framed art for a crisp, coastal feel.
- Rearrange your mantel or coffee table with fewer, lighter accessories and a touch of greenery.
Final Thoughts on Summer Home Decor
You don’t need a major renovation to capture the summer feeling in your home. By embracing lighter fabrics, adding fresh greenery, playing with color, and simplifying your decor, you can create a space that feels as relaxed and joyful as the season itself. Whether you’re entertaining friends or simply enjoying a quiet afternoon, these summer home decor ideas will help you savor every sunny moment at home.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Bruce County Housing Market Update | May 2025
Welcome to the Bruce County Housing Market Update for May 2025! After a period of transition and data refinement, market stats are back and more important than ever for buyers, sellers, and homeowners across our region.
In this post, you’ll find the latest listing stats for Arran Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. Whether you’re actively in the market or just keeping an eye on local trends, this month’s report will help you make sense of what’s happening in your community and what it could mean for your next move.
Stay tuned for a closer look at home prices, inventory, and days on market in each area, plus practical insights to help you navigate today’s evolving real estate landscape.
Bruce County Housing Market Update for May 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Interior Painting Tips for a Fresh, Market-Ready Home
A fresh coat of paint is one of the most cost-effective ways to transform your home’s interior, whether you’re preparing to sell or simply want to refresh your space. As a real estate agent, I know that well-executed painting projects can dramatically improve a home’s appeal and value. Here are expert tips to help you achieve professional-looking results.
Plan Before You Paint
- Choose your colours carefully. Neutral tones like soft greys, beiges, and warm off-whites appeal to the widest range of buyers and help rooms feel larger and brighter.
- Test colour samples in your space and observe them at different times of day to ensure you love the look.
- Decide on the right finish: flat or matte hides wall imperfections, while eggshell and satin finishes are more durable and easier to clean.
Prep Like a Pro
- Clear the room or move furniture to the centre and cover with drop cloths. Canvas drop cloths are best—they stay in place and absorb spills better than plastic.
- Remove nails, patch holes, and sand any rough areas for a smooth surface.
- Clean walls thoroughly to remove dust and grime, ensuring paint adheres properly.
Use Quality Tools and Materials
- Invest in high-quality brushes and rollers for a smoother finish and less frustration.
- Mix multiple cans of paint in a large bucket (“boxing”) to ensure colour consistency throughout the room.
- Choose low- or zero-VOC paints for healthier indoor air quality, especially important for families and those with allergies.
Master the Painting Process
- Paint in this order for best results: ceiling, then trim (including baseboards, crown molding, and window/door casings), and finally the walls.
- Maintain a “wet edge” by overlapping each roller stroke with the previous one before the paint dries. This prevents lap marks and streaks.
- For corners and edges, brush first, then immediately roll over with a small roller to match the wall texture.
- Don’t overload or underload your roller—keep it at least half-loaded for even coverage.
Finishing Touches and Clean-Up
- Allow each coat to dry fully before applying the next. Most projects require two coats for optimal coverage and colour depth.
- Remove painter’s tape while the paint is still slightly damp for crisp lines.
- Clean brushes and rollers promptly so they’re ready for your next project.
Bonus Tips for Sellers
- Fresh paint on trim and doors can make a home look new and well cared for—don’t skip these details.
- Stick to universally appealing colours and avoid bold or overly personalized choices when preparing to sell.
- If the job feels overwhelming or your home has high ceilings or intricate details, consider hiring a professional for a flawless finish. (p.s. I can recommend trusted local trades professionals to ensure your project is completed to the highest standard.)
Final Thoughts
A well-painted interior not only makes your home more inviting but also signals to buyers that your property is well maintained. Whether you’re selling soon or just want to enjoy a refreshed space, these tips will help you achieve beautiful, lasting results. Happy painting!
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Grey County Housing Market Update | May 2025
Welcome to the Grey County Housing Market Update for May 2025! After a period of transition and data refinement, market stats are back and more important than ever for buyers, sellers, and homeowners across our region.
In this post, you’ll find the latest listing stats for Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. Whether you’re actively in the market or just keeping an eye on local trends, this month’s report will help you make sense of what’s happening in your community and what it could mean for your next move.
Stay tuned for a closer look at home prices, inventory, and days on market in each area, plus practical insights to help you navigate today’s evolving real estate landscape.
Grey County Housing Market Update for May 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
