Trusted Tips and Resources

Trusted Tips & Resources

Mortgage Experts at YourMortgageNow Give Advice for First Time Home Buyers

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Tips for First Time Home Buyers





At YourMortgageNow.ca, the Team is always ready to answer any questions you may have about buying your first home in Saskatoon and area. But for some people, saving to buy their first home may seem daunting and they don’t quite know where to start. After all, Your Mortgage Now are Trusted Saskatoon Mortgage Brokers.Here are some great money-saving tips to get you started:


1.          Set a long-term goal: “I want to buy a home by the age of 30” or “I want to buy a home within five years of graduation from college”.

 

2.          Determine how much you can afford: Be realistic about where you want to live and what type of home you will likely be able to afford. Consulting a financial advisor or mortgage professional early on will put you on the right path to fulfilling your goal.

 

 

3.          Create a budget: Keep track of all the money that comes in and all the money that goes out. Balancing expenses against income will help you determine what, if any, adjustments you need to make to your spending habits in order to build savings.

 

4.          Pay yourself first: Open a separate savings account and deposit a set amount of money every month through an automatic withdrawal from your paycheque or other bank account.

 

 

5.          Live on cash: Every payday gives yourself an allowance in cash to get you through to the next payday. If you don’t have cash handy you might think twice before buying something you don’t really need.

 

6.          Build your savings account: Live off your day-to-day earnings and make the most of every unexpected inflow of cash. If you work overtime or receive a bonus, put that money right into your savings account.

 

 

7.          Party at home: Going out for dinner, clubbing or a movie can really add up on your monthly expenses and kill your budget. Host movie nights or potluck dinners at home and see your savings grow.

 

8.          Earn extra income: Sell unused items online through sites such as eBay, Craigslist or Kijiji; take on a second job; work part-time and summers if you’re a student.


9.    Open an RRSP account early on: The Federal Government’s Home Buyer’s Plan allows you to withdraw up to $20,000 from a Registered Retirement Savings Plans (RRSP) for a down payment on a first home. Consult with a financial advisor or mortgage professional to grow your investments wisely.


10.  Do your homework: Before making any big investment or purchase, do some research. Avoid spending on impulse or emotion. If it sounds too good to be true, chances are it is.




APPLY ONLINE NOW or contact them today, it won’t cost you a penny!





If you have any questions regarding this topic, please give them a call today at (306) 244-7755 or email them at devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 




Saskatoon Tire and Auto Repair Service Experts Crestview Auto Service offer Customer Loyalty Program

Let's face it, most of us do not think about the tires or our engine on our vehicles until we run into a problem....and that problem may be a major inconvenience at best; an accident at worst. Having your vehicle serviced by people that you trust is an absolute must. Let Don and the highly trained technicians at Crestview Auto Service work with you to make sure your vehicle is ready for the road.

Crestview Auto Service is Trusted Saskatoon Tire and Trusted Saskatoon Auto Repair & Service Experts!


Crestview Auto Service Saskatoon Rewards Customers for Their Loyalty











$65 Loyalty Rewards & Free Extended Warranty Program



At Crestview Auto Service Saskatoon they believe your car can remain safe and reliable for at least 10 to 15 years while keeping you out of loan payments and leaving more money in your pocket. Through regular maintenance and inspections, they will help you budget for maintenance and repairs on your vehicle while leaving you in control every step of the way. With this in mind they are introducing the:


Crestview Auto Service Saskatoon- Customer Loyalty Rewards & Extended Warranty Program


This includes double reward benefits for you. When your vehicle is regularly inspected, serviced and maintained at Crestview Auto Service Saskatoon, you will receive a $65 in store credit after having 4 consecutive oil change or seasonal maintenance services, this will also qualify you to receive at no additional cost, an addition 1 year/20,000 km parts and labour extended warranty (2 year/40,000km total) on all qualifying repairs. Select parts have even longer warranty periods.





At Crestview Auto Service “We’ll Keep Your Car Young a Long Time” 

 

Find Crestview at 24, 23rd Street East  or online at www.crestviewautoservice.ca - they are a full-service Saskatoon Tire and Auto Repair & Service business and they can be found on the Saskatoon Directory under TIRES SASKATOON  and Auto Repair & Service Saskatoon they are your TRUSTED SASKATOON TIRE and AUTO REPAIR EXPERTS  


Trusted Saskatoon General Contractors FineLine Developments Describes What They Does IKEA Kitchens!

FineLine Developments are a Saskatoon owned and operated contracting, construction, and carpentry company. Owner’s Sven originates from Germany, which gives them an eye for European inspired designs. He specializes in custom carpentry including custom crown molding, fireplace mantel design, staircase railings, deck design, and kitchen renovations. No job is too small, or large. 


FineLine Developments are a Trusted Saskatoon general contractor. 


FINELINE DEVELOPMENTS ARE IKEA KITCHEN CERTIFIED


Custom Kitchen Renovations

So, you’ve decided its time to for kitchen renovations in your home? Perhaps you’re ready to remodel your kitchen and you don’t know what to do next?  FineLine Developments is the Saskatoon kitchen renovations contractor for you. They do all type and sizes of kitchen renovations in Saskatoon and surrounding area and FineLine are the Saskatoon IKEA kitchen experts of choice.



Kitchen Renovations and Design

In addition, they also offer individual kitchen planning services starting at $149 that includes:

 

  • IN-HOME VISIT
An in-home visit (for a non-refundable fee) from the project manager for up to 4 hours.


  • DETAILED PLAN

The creation of a detailed kitchen plan and 3D view drawing prepared on the IKEA Home Planner and saved to your account under your unique user profile.


  • DETAILED DRAWINGS

Architectural detailed drawings, shop drawings, and specs will be available once they are hired for the job and the project is confirmed.


  • PARTS LIST AND PRICE QUOTE

Itemized quote for IKEA kitchen products. Itemized quote for dismantling and removal of old kitchen and itemized quote for the installation of new kitchen. Contact Sven and the team today to start planning your custom IKEA Kitchen!




They are Trusted Saskatoon experts at kitchen renovations and their craftsmen will strive to make your Saskatoon kitchen renovation process as stress-free as possible.

FineLine Developments are certified Saskatoon Contractors making your next home project as enjoyable as possible! From great communication, to excellent, customized workmanship, FineLine Developments has your best interests as the client at heart. Call them today!


FineLine Development are Trusted Saskatoon Contractor Professionals


Wiseguys Mattress Experts talk about Mattress Myths


Wiseguys Mattresses Saskatoon offer incredible value to their customers through a boutique style shopping experience, customized service and unbeatable prices. They aim to have every customer leave the store confident in their decision to buy, and with a guaranteed good night's sleep on their best SASKATOON MATTRESS.

Mattress Myths Explained by Experts at Wiseguys Mattresses

Mark Stevens, owner of Saskatoon’s Wiseguys Mattresses, knows what he’s talking about when it comes to getting a good night’s sleep. It’s Stevens’ goal to make sure the people of this city achieve quality rest, and that starts with a quality mattress. Each person is unique and has different considerations when choosing the right mattress, and he’s heard many assumptions people make about the selection process. I mean after all Wiseguys Mattresses is a Trusted Saskatoon Mattress Expert! Here, our sleep expert sets the record straight.

1.     A firmer mattress is better

Often people purchase a firmer mattress in hopes of getting a better back support. The truth is that the best mattress for your back is the one that feels the best to you. All mattresses provide pressure relief in the top portion of the mattress and back support in the bottom part. The best combination of the two and how they feel to you is what you should look for in a mattress. Ultimately, the best bed is the one that is most comfortable to you.

2.      High coil count is critical for support

Mattress support is much more than simply the amount of coils. The coils do not make the difference. Characteristics such as type, gauge and tempering are far more critical and important. High coil count alone in no way means you have a better bed and should not have a huge impact on your purchase decision.

3.      Silk, cashmere and wool make a bed more comfortable

When used on a mattress, only small amounts of these materials are in the upper padding. This only makes a bed more expensive. When you cover your mattress with a pad and sheets, you do not directly feel the surface anyway.


4.      Stores sell the same mattress under different names.

Retailers often claim that a particular mattress they sell is comparable to a competitor’s mattress. Though you may find beds that are alike, most “comparables” have little in common. They may look exactly the same on the outside, but will likely have different amounts and grades of foam. Unless it is the same manufacturer and the bed has the same name at both locations, there will be a difference.

5.      I save a lot of money when mattresses are 50% off.

Be wary of retailers with frequent half price sales. It can be a tell-tale sign that they have regularly inflated prices. These sales only give you the illusion that you are saving big.

6.      A quality mattress costs more.

Firstly, the fifth piece of advice above debunks this myth. Secondly, price differences can reflect the price of the foam. Foams with higher grades and densities cost more. Yet, expensive foam does not necessarily mean more comfort. Again, purchase what you find comfortable, not what is more expensive.

7.     Salespeople are always objective.

In a perfect world, this would be true. However, manufacturers offer financial incentives known as SPIFs (salesperson incentive funds) to push various brands and models. Always keep in mind that only you can know what is best for you.

If nothing else remember these simple rules: The only thing that matters in a mattress is comfort and durability. Nobody knows what is right for you, except you. Everybody has different comfort levels. Let your body tell you what is right.



Find Wiseguys Mattress, Circle Dr. E. Saskatoon, fan them on Facebook or check out their listing here in the Saskatoon Furniture Category on THE Saskatoon Directory of excellence. They are YOUR Trusted SASKATOON MATTRESS Experts!



Saskatoon Home Building Experts Decora Homes Named Number 7 in Top 25 Room Design 2017

DISTINCTIVE, CONTEMPORARY...DECORA HOMES. They build to reflect your personality, they design to meet your needs...They build relationships, DECORA HOMES...it's ALL in the details. 

Decora Homes are your Trusted SASKATOON HOME BUILDERS on the Saskatoon Directory. 


Decora Recognized as Number 7 of 25 Room Design in 2017


WHAT AN HONOR! Decora Homes was recognized as Number 7 in the Top 25 Room Design in the 2017 Builder & Design Challenge with Metrie! The amount of entries submitted for this challenge was extremely high throughout Canada & United States. For Decora to be acknowledged in the top 25 is truly an honor! Decora Homes Ltd. are a Trusted Saskatoon Homebuilder.





Decora Thanks Design Team 


Their design team Whitney Romero & Kristi Katsiris worked hand in hand with the clients to create this stunning Majestic Theatre. These ladies truly represent Decora Homes remarkably well with their design inspirations and creativity. Proud moment for all of the Decora Team!

Decora is truly blessed to have clients that share a vision with them and allow them to be creative and design such beautiful spaces!!




Find Decora Homes online HERE , or check out their listing under SASKATOON HOME BUILDERS on the Saskatoon directory of Excellence they are a TRUSTED SASKATOON HOMEBUILDER!!




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