Posts

Showing posts from January, 2026

The Once-a-Year Home Maintenance Checklist (That Actually Matters)

-
Image
Let’s be honest. Most of us only think about home maintenance when something starts dripping, buzzing, or making a noise that sounds expensive. This is not that list. This is the once-a-year checklist that actually saves you money, stress, and surprise water features in your basement . You can do this in one afternoon. Maybe two, if you keep stopping for coffee and “just one more YouTube video.” Here we go. 1. Change your furnace filter (yes… really). If you can’t remember the last time you changed it, that’s your answer. A dirty filter: makes your furnace work harder lowers air quality and quietly increases your heating bill Pro tip: write the date on the new filter. Your future self will thank you. 2. Test your sump pump (before it becomes a personality test). Pour a bucket of water into the pit and make sure it: turns on pumps out and turns off again If it doesn’t, your basement may soon become a very exclusive indoor pool — especially with our spring melt and heavy rain around King...
Post a Comment
Read more

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

-
Image
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...
Post a Comment
Read more

Your Kingston Home Didn’t Sell Last Year — Here’s How to Get It Sold This Year

-
Image
If your Kingston home didn’t sell last year, you’re not alone. Many well-priced, well-maintained homes across Kingston and the surrounding area sat on the market longer than expected. The good news? A home that didn’t sell last year can absolutely sell this year — often for a better result — with the right strategy. Let’s break down why homes don’t sell and what you can do right now to improve your chances. Why Your House May Not Have Sold There are a few common reasons homes linger on the market: Pricing wasn’t aligned with the market Even small pricing mismatches can push buyers away, especially in changing market conditions. Marketing fell short Poor photos, limited exposure, or weak online presence can drastically reduce buyer interest. Condition or presentation Buyers are emotional. Clutter, outdated finishes, or deferred maintenance can turn them off quickly. Lack of a clear selling strategy Listing a home isn’t enough — timing, positioning, and negotiation matter. How to Sel...
Post a Comment
Read more