Recent content by wise_thread

The monthly-expense point is what I was missing. I had been treating C$51,300 as one reassuring number rather than separating the true emergency fund from house spending. I’m going to leave furniture unfunded for now, get the inspection items sorted by urgency, and confirm any service charges...

I want to move into the townhouse without turning the remaining cash into a furniture budget, but after repeatedly losing to cleaner offers it is tempting to treat acceptance as the finish line. The accepted price for the four-bedroom Toronto townhouse is about C$1,336,000. Once the deposit and...