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Showing posts from December, 2025

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...

5 Alternative Living Options That Go Beyond Traditional Housing

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As housing prices continue to rise, many people are exploring simple, flexible, and affordable ways to live. Whether you’re looking to save money, embrace minimalism, or live a more mobile lifestyle, there are plenty of creative alternatives to a standard residential home. Here are five of the most popular options— tiny homes, campers, sailboats, skoolies, and van conversions —complete with pros, cons, and average costs to help you choose the right fit. 1. Tiny Home on Wheels (THOW) A tiny home on wheels offers the comforts of a small house with the freedom to relocate when needed. Built on a trailer frame, they’re designed for full-time living and can handle four-season climates with proper insulation. Average Cost $40,000–$120,000 depending on size, finishes, and whether it's DIY or professionally built. Pros Feels closest to a traditional home Fully customizable layouts Four-season living possible with good insulation Low monthly costs when parked on private land Large resale m...

Top Outdoor Spots Around Kingston for Winter Road Trips & Day Trips

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Winter in Kingston has a way of transforming the landscape into something dramatic, quiet, and unbelievably refreshing. When the temperature drops and the snow settles, most people hunker down indoors — but for those of us who crave adventure, cold air isn’t a barrier. It’s an invitation. Whether you want a quick day trip, a scenic road adventure, or just a reason to get outside and recharge, here are the top outdoor winter destinations within an hour or two of Kingston . These are the spots where you can breathe, reset, and take in the season at its absolute best. 1. Frontenac Provincial Park — Winter’s Quiet Playground Just 40 minutes north of Kingston, Frontenac is one of the best winter backcountry escapes in all of Eastern Ontario. Expect frozen lakes, pine forests heavy with snow, and trails that feel untouched after every fresh snowfall. Perfect for: Snowshoeing Winter hiking Ice fishing Backcountry camping (for the brave and seasoned) Frontenac’s beauty in winter is raw and pe...