Author: Barbara Davis

In The Midst Of Financial Stress, What Is The Way Out?

For several reasons, you may experience financial stress. Perhaps you have had unforeseen events requiring you to pay an amount of money that you did not foresee, have spent too much or are unable to work due to an illness? Financial stress means that you feel an inability to “make ends meet”, that you may even be discouraged and helpless about your situation.

Did you know you are not alone? One in two adult feels financial stress. It is likely that the mere act of discussing finance is crippling, but to see a way out of this stormy road, you have to take big or small steps.

Identify your source of stress

What is causing you stress? Is it that you can’t put money aside, have you used up your hard-earned emergency funds, do you have any upcoming expenses? To fully understand the source, you have to get to the bottom of it and explore your problem to fix it.

Create a budget

Take stock of all your income and expenses, then revise it to suit your needs. Do not hesitate to ask for the help of one of our professionals to revise your budget. Never fall into the trap of credit offers since this will increase your debt and thus, the tension felt in your situation.

Pay attention to your expenses

By the time your situation gets back under control, allow yourself a certain period of time, buying only what you need and paying off your debts as much as possible. Your budget will go a long way to helping you get a picture of your situation. Now is the time to take action!

Save money

Once your financial situation is “under control”, prevent stress from returning by better planning for the unexpected. By putting money aside, you will better cope with the unforeseen and the blow will be better amortized if you have money for a future purchase / investment.

Things You Didn’t Know About Financial Bankruptcy

When all other options are no longer available, bankruptcy is a last resort that allows you to prevent the situation from worsening and finally regain control of your life. It is, in other words, a whole new start to regaining good financial health.

In many cases, almost no property is seized in bankruptcy.

Indeed, declaring bankruptcy does not mean that you will lose everything. Whatever happens, you will keep the essentials in order to maintain a reasonable standard of living. You will pay a sum of money monthly according to your income and the assets you want to preserve. You will not lose the instruments and tools essential for your work and you will keep the necessary furniture in your main residence. In fact, filing for personal bankruptcy interrupts foreclosure proceedings as well as any legal proceedings against you.

A first bankruptcy lasts approximately 9 months in Canada

Although several factors affect the longevity of bankruptcy, it is usually of limited duration. However, if you have not followed your conditions, your bankruptcy may well take longer. In particular, you will need to complete the required payments to your trustee and attend at least two consultation sessions.

You don’t have to do the same if your spouse has declared bankruptcy

You are in no way responsible for the debts of others due to a common-law relationship or through marriage.

You are no longer allowed to own credit cards

The law requires that you surrender all your credit cards to the trustee in bankruptcy, regardless of whether there is a balance owing or not. You are not entitled to any credit during this period.

To find out more or for more advice, do not hesitate to consult us and do business with our team of professionals.

Things To Do With Your Tax Refund To Put Your Finances In Order

Spring doesn’t just bring milder weather, it’s also tax refund season. However, while this influx of money may turn out to be a temptation to spoil, it is also an opportunity to put your finances in order.

Pay your debts

Deciding to postpone paying off your debts is just about making yourself even poorer. After all, with the high interest, it is better to pay off your credit card, your car loan or even the mortgage as soon as you have a surplus in your budget.

Undertake renovations

Although this is a long-term investment, undertaking renovations could not only allow you to refresh your interior, but also qualify for the green tax credit and receive a refund of up to at 20%.

With this in mind, we invite you to consult our latest articles in order to discover other practical advice to restore your finances and allow you to optimize your savings.

How To Decorate A Small Garden?

Having a small garden at home is a great privilege . Because it means having a pleasant space where you can rest, get in touch with nature or have a leisure time with family and friends.

With a few simple gardening tricks you can have a place to charge your energy. Especially if you like the art of gardening.

Because the tasks that you must perform to convert a free space into a garden help reduce stress. It is an excellent hobby to occupy leisure time in relaxing.

What to put in a small garden?

Despite having little space in the patio, it is possible to turn it into a modern small garden or give it the style that we like the most.

Currently there is a wide variety of ideas to decorate a small garden so lack of space is no longer a problem. We only have to consider taking advantage of the area with useful objects that follow the general design of the garden.

Decorative pots for small gardens

The presence of flowers and plants give life to a home, therefore, they are essential. When we have little space we can turn to the walls, tree or any structure that serves as a support to hang decorative pots.

Another great option is to place a large pot on a window facing the garden. It is important that the pot does not interfere with the window opening system.

Statues or figures for small gardens

We can choose from a wide variety of sculpture styles with different meanings, whether religious or mythological. The garden is a place that should inspire tranquility , therefore, the figure we choose must have some meaning for us.

Although gnomes are still the favorite in gardens for their great contribution of color to this environment.

Small garden birdhouse

Visiting birds always brings joy to a home, especially when we live in a city. So adding a birdhouse will not only give a touch more color but life to our garden, no matter how small it is.

Water fountains for small gardens

A garden stands out a lot when it contains a pond or water feature. It does not have to be large, even if it is small, it gives a great touch and a lot of personality to the aesthetic of the house.

In addition, the water offers a feeling of relaxation and spaciousness to rest near it. If we do not have place for a fountain, we can resort to ornaments with artificial waterfalls . Which are very pleasing to the eye and the slight noise of the water flow helps to relax.

These are some of the objects that we can use to decorate our small garden, now we must think about how to combine them, remembering that the space we have is limited and the garden design must have a good style .

How to decorate a small garden?

Decorating a small garden can get a bit complicated since the space we have is limited but it is still possible by following a series of super easy steps.

Design of a small garden

The first thing we have to do is imagine how we want our garden to look. What will be the main style it will have and what decorative objects we will choose. For example, for a small garden to have a rustic appearance we can incorporate elements of wood, stone, clay or clay around the plants.

The combination of these products is highly recommended for the exterior and in a small garden we should not leave them aside as it will add a unique and natural touch to the environment.

Distribution of objects in the garden

The idea is to achieve a feeling of spaciousness in this space, where we want to relax. If we fill with objects and plants the result will not be as desired. That is why we must think about the distribution of the objects that we will include in it.

More than anything, it is important to have as little furniture as possible since they take up a large space. But of course, you cannot miss a comfortable armchair and a table to enjoy the outdoors together with nature.

The keys to how to decorate a small garden is in the cleaning and maintenance of the lawn and plants. As well as the choice of colorful plants and some objects that give it personality. Such as a small pond of water and a house for birds that will allow us to enjoy a garden full of life and color.

What Must A Bathroom Window Look Like To Be Effective?

A bathroom window plays a fundamental role in the home. On the one hand, it must fulfill its main function, which is to provide correct ventilation to effectively eliminate the humidity that is generated in this environment. On the other hand, the material of the same must be resistant to the natural conditions of the bathroom that are heat and humidity .

In addition, a bathroom window allows us to isolate our house from heat, cold and external noise, without discarding its aesthetics.

That is why it is necessary to know the materials and models that the market offers us to choose the one that best meets our needs.

Window materials for bathroom

A very important element when choosing a window for the bathroom is the material with which it is made. The development of technology allowed good progress in this regard. Here are some advantages and disadvantages of the different materials that are used in a bathroom window.

PVC bathroom windows

PVC or polyvinyl chloride is one of the most modern materials and offers very good resistance to heat and humidity. Climatic factors hardly affect PVC windows and do not require any extra maintenance to cleaning .

At present there are a large number of designs and finishes that can be applied to the pvc window frame to suit the style of the bathroom.

Wooden bathroom windows

A window made of wood offers a feeling of warmth. It is used especially in bathrooms with a rustic style. However, it is not the best material in terms of efficiency and insulation. Although technology is advancing and working to solve this disadvantage.

Aluminum bathroom windows

Nowadays it is more common to find this material in bathroom window profiles, since it has great insulation efficiency, is fire retardant and offers high durability. In addition, in the market there is a wide variety of finishes and colors that we can apply to the window to suit our taste and style.

Opening systems for bathroom windows

In addition to the materials, we can differentiate the types of bathroom windows by their opening system. The best option is to choose them according to the space of the bathroom and the comfort it offers us when opening and closing them.

Swing bathroom window

This is a great option for large bathrooms, because they offer good ventilation of the environment. It is the most traditional system, which allows the full opening of the window sashes towards the sides. Taking up wall space.

Sliding bathroom window

Unlike casement windows, this design does not take up space on the sides. So it is ideal for small bathrooms that need natural lighting.

The system consists of sliding its sheets from right to left, overlapping one another. The biggest disadvantage of this model is that it does not allow a total opening of the window . So its cleaning is a bit more complicated.