How to Buy a House When You’re a Server (Yes, It’s Possible)

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Let’s get one thing out of the way right now: Being a server does NOT mean you can’t buy a house. It just means the process looks a little different than it does for someone with a steady 9–5 paycheck and zero cash tips (lucky them). If you live off a mix of hourly wages, tips, and hustle, this one’s for you. 1. The Biggest Challenge: Proving Your Income Lenders don’t hate servers — they hate unclear income . Most servers earn: Hourly wages Declared tips (Sometimes) undeclared tips 👉 Here’s the truth: Only declared income counts when qualifying for a mortgage. What helps: 2 years of consistent serving income Tips reported on your tax returns Stable employer or industry history Pro tip: If you’re planning to buy in the next 1–2 years, start declaring your tips now. Future you will be grateful. 2. Taxes: The Necessary Evil That Helps You Buy Yes, declaring tips means paying more tax. But it also means: Higher qualifying income Better mortgage options Less stress at approval time Th...
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Fall Events in Kingston

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1. Kingston Fall Fair — Sept. 11 to 14

One of Kingston’s most beloved traditions, the 193rd Annual Kingston Fall Fair kicks off today and runs through Sunday. Held at the Kingston Memorial Centre, the fair brings together agricultural exhibits, carnival rides, games, and lively entertainment for all ages. Kingston Fall Fair

2. Harvest Homecoming at the Memorial Centre Farmers’ Market — Sept. 7 (ongoing)

The local farmers’ market celebrates the harvest with live music, vendors, a petting zoo, craft offerings, a corn boil, and warm apple cider. A delightful way to embrace the local bounty and community spirit. Kingstonist

3. Kingston WritersFest — Sept. 18 to 21

For literature lovers, Kingston WritersFest returns mid-month with a rich lineup of readings, author Q&As, workshops, and stage sessions. It’s a creative highlight for readers and writers alike. Facebook

4. Intercultural Arts Festival & Princess Street Promenade — Sept. 14 & 20

5. Art After Dark — Sept. 26

Discover Kingston’s vibrant art scene after hours with gallery openings, creative exhibitions, and installations across the downtown core. Downtown Kingston BIADowntown Kingston

6. Ontario Culture Days — (Late Sept through Oct)

Keep an eye out for Ontario Culture Days, a province-wide cultural celebration that brings a variety of arts events—including performances, workshops, and exhibitions—to Kingston and beyond. The festival typically spans several weeks in the fall. Wikipedia

Ongoing Fall Experiences

  • Exploring Fall Colours & Outdoor Trails: Enjoy scenic walks along the Waterfront Pathway, lush campus strolls at Queen’s University, and leafy escapes in Lake Ontario Park. Visit Kingston

  • Arts & Galleries: Dive into live music, theatre, and local art at venues like the Isabel Bader Centre, Broom Factory, or enjoy curated exhibitions around town. Visit KingstonWikipedia+1

Fall in Kingston is full of community celebrations and cultural moments to savor. Whether you're into live performances, literary events, or just getting outside to enjoy autumn’s colours, there's something for everyone this season.



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