They call my generation "generation screwed" for a reason. After covering life expenses like rent or groceries, most of us won't be able to set aside a dime for savings. This sets us up for severe financial distress in the future if we end up with health issues or disabilities (those come with aging!) and it will delay our retirements. So, with the incoming downpayment assistance programs, many in this age group might now be able to finally consider the benefits of buying as

If you work in the trades, you create wealth and equity for other people every single day. Maybe 2026 is the year you use those skills for your own benefit. If you’re not afraid to get your hands dirty and home ownership is your goal (a New Year’s resolution, perhaps?), then we need to talk about the concept of sweat equity . What is Sweat Equity Sweat equity is created when you put work into a home to increase its value after purchasing it. It could be something as simple as

POP QUIZ: Which area of Niagara has seen the largest growth in property values over the last ten years? Have you booked your real estate review?

If you're paying $3000 in rent, you could be getting better deal by looking at buying a home under $600,000! Not only will the money stay in your own pocket, but real estate has historically increased in value, especially over the long term. Believe it or not, here in Niagara, we have many options for homes in decent shape (maybe needing a bit of cosmetic work) in the $400,000 to $500,000 price range, which makes the payments even less! You have even MORE options if you're co