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How to fund accessible home renovations in Canada
– moneysense.ca
My house, as I told my insurance broker recently, is the Canadian housing equivalent of ancient. Built in the 1910s in Saskatoon, this house has many foibles. To hang pictures, I have to use wood screws lest regular nails bounce off of the layers and layers of paint. My basement is a little more than a horror movie-esque concrete box. Perhaps its most damning feature until last year was its lack of a wheelchair lift. One grant, and more than $20,000 later, that has been rectified. The administrative costs of that effort, however, are something I’m still wrestling with.
The high cost of accessibility
The financial barriers to accessible home renovation are astronomical, and the procedural landscape when it comes to these sorts of projects varies wildly from province to province. Funding can come from insurance companies, governments, tax credits, and non-profits. None of it is easy to secure, and that’s before you go through the lengthy process of actually getting an accessible renovation started…
The best financial lesson I learned in Canada wasn’t about investing, it was about trust
– moneysense.ca
Nobody moves to Canada excited about price matching. When my family immigrated in 2019, I expected to spend countless hours learning about taxes, credit scores, saving plans and all the other financial building blocks that make this country unique. I knew there would be a learning curve, and I was ready for it. Those were the things I assumed would shape my financial life here. Price matching never once crossed my mind.
Like many newcomers, I spent my first few months trying to make sense of a financial system that felt both reassuring and unfamiliar. Some of the discoveries were significant. I still remember the first time we received the Canada Child Benefit, because having grown up and spent much of my adult life in countries without that kind of support, I was genuinely moved.
It was not just the money, but what the money represented. For the first time, I felt that if life threw us an unexpected challenge, there were systems designed to help us get back on our feet. That sense of security was new to me, and it was deeply comforting…
