segacs's Profile

Display Name: segacs
Member Since: 2/9/11

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This is a super common issue here in Montreal, where the classic Victorian triplex apartment typically has a "double-room" living/bedroom separated only by a doorway like the one in your photo. The typical go-to option for people not wanting to spend a lot of money is to hang IKEA curtains, but really, anything that creates separation and privacy will work.

Houzz has lots of great ideas and inspiration for how to do this:
http://www.houzz.com/curtain-divider


How Should We Hang Room-Dividing Curtains? Good Questions
5/10/13 2:01 PM

It's interesting how AT considers <1000 sq feet to be "small". I understand that there needs to be an arbitrary cutoff for this contest. But the concept of what an appropriate amount of living space is varies so much by location, culture, or even city versus suburb versus country. In Paris or Hong Kong, 1000 square feet would be considered enormous, while in suburban Texas it could be thought of as tiny.


Enter Now: Small Cool 2013
5/10/13 10:35 AM

Lease laws vary by region and sometimes lease-to-lease, so the responsible thing to do in this article would be to warn tenants to consult their local laws and lease terms before doing any work. Having said that...

My last two apartments had attentive landlords but strict rules. My current apartment has a deadbeat landlord but it's pretty much anything-goes with the rules. And I take the attitude that a bit of investment is worth it, since it's my home and I'm the one getting enjoyment out of it. With no plans to buy in the near future, I take a long view of renting; it's worth fixing things up if I'll enjoy the space more.

I was bored with white walls so I decided to paint my apartment in bright colours. Doing the labour myself, I spent less than $150 on supplies, and it has made my life a lot more pleasant and cheerful. I also added curtain rods and sheer curtains in the living room, and a custom blackout blind shade with drapes in the bedroom. And I added a medicine cabinet in the bathroom, some towel rods, and some shelving in various places including the laundry room, which desperately needed it.

I still wish I could do something about the ugly vinyl imitation-wood floor, outdated 80s cheap kitchen and bathroom cabinets and countertops, and ugly sliding closet doors. The kitchen cabinets are particularly bad, and since the doors are those ugly melamine-and-fake-wood types with integrated handles, there's no hardware to switch out. I also hate how the electrical outlets are wired so that the light switches operate exactly the wrong outlets in every room. But there's only so much money I'm prepared to spend, so I live with those things.


6 Rental Updates that Won't Break Your Lease or the Bank
5/9/13 2:34 PM

I think it's useful for families with a lot of space in a big home. But no, as an apartment dweller I never find it worthwhile to buy in bulk. My place isn't even all that small (certainly not by your New York City standards, I'd imagine), but it is on the third storey of a walk-up and I find it easier to carry just what I need. Besides which, I generally walk to the grocery store, or stop in on my way home via public transit, so I'm in the habit of buying only what I can easily carry.


Small Home Living: Do You Buy in Bulk?
5/8/13 10:43 AM

One of you should take the bedroom, and use it as a bedroom + living space area for personal things. The other should curtain off a section of the living room to use as a bedroom. That way, you'll avoid constantly being in each other's space, you'll have some privacy, you can more easily deal with different schedules or -- dare I say -- the occasional overnight guest.

The person who has the curtained-off living area may prefer a daybed or futon, depending on space. The bedroom person can get a full-sized bed or -- to compensate for the sacrificed living space -- may prefer a loft bed that will allow for more usable space underneath.

As for the rest of the space, you'll have less shared space so you'll need to maximize it. Arrange your bathroom, kitchen and non-curtained living space efficiently so you can both enjoy it. If you have an eat-in kitchen or dining area, even better; this can become your common space.

Seriously, if you want this living arrangement to last more than a month or two without killing each other, claim separate spaces.


How To Design Shared Bedroom For Two Single Ladies? Good Questions
4/26/13 12:00 PM

I love vinyl. These are pretty, but even the regular plain old black vinyl LP has its own beauty. Digital music just can't compare to the tangible experience of listening to a record.


A Colorful Reminder Why Many of Us Still Love Records
4/5/13 11:42 AM

Ooh, I love the couch! You could go Spanish-style with reds and yellows. Or you could go with a more modern-art aesthetic with bright primaries.


How To Decorate Around Red Sofa? Good Questions
4/5/13 11:39 AM

From a blog post I wrote a few years ago during my last apartment hunt here in Montreal:

They Say... / They Mean...
"Cozy" = Tiny
"Large" = Average-sized
"Very large" = Superlatively average-sized
"Charming" = Hasn't been renovated since Queen Victoria was in office
"Original features" = See "charming"
"Sunny" = Has so little going for it that I had to include the sun, which is free, as a feature
"Steps from..." = Within a 45-minute walk of...
"Located near public transit" = Located near a bus that comes infrequently and will eventually get you to a metro station somewhere
"Perfect for professionals" = Our building is full of unemployed crackheads and we're desperate for a tenant who will actually pay the rent
"Convenient for highway" = Right next to the expressway, with all the noise and pollution
"Parking on street" = There's no parking available but I wanted to put the word parking in the ad somewhere so you would find my ad in a search
"Hardwood floors" = Might mean any one of: Hardwood floors, parquet floors, floating imitation hardwood floors
"Secure building" = Located in a sketchy area; has a buzzer at the door that may or may not be working
"Main floor" = Semi-basement
"Westmount-adjacent" = NDG or Cote des Neiges, but I thought putting the word Westmount in my ad would make the place sound more prestigious
"Amazing" = So awful, I need to resort to generic adjectives


Spin vs. Reality: Top 10 Apartment Listing Phrases
4/3/13 2:38 PM

Bravo, Mélanie! Way to represent Montreal on the international stage. Félicitations.


Melanie's Little Loft Bedroom My Bedroom Retreat Contest
4/2/13 11:07 PM

I think it depends where you live. Here in Montreal, something like 50% of people are renters, not owners. There's absolutely no stigma attached.

If anything, it's the owners who get the sympathy -- they're the ones dealing with fluctuating mortgage rates, high property taxes, condo fees, expensive and unexpected maintenance and repairs, and long commutes from the suburbs where they've been exiled due to property prices.

Meanwhile, us renters are sitting pretty, thanks to rent control that allows us to afford our large, open spaces in great neighbourhoods. I calculated it out once, and realized it would cost me about *double* on a monthly cost per living basis to own the very same place I'm now happily renting.


I'm Renting...And Okay with That
3/27/13 3:12 PM

@Portlandrules: There are small towns now that are paying people...some of them paying off people's student loans if you will move there.

It's my understanding that these sorts of incentives only apply to certain types of in-demand professionals, particularly doctors and lawyers. Generally speaking, they're the ones with the most options anyway, financially, and not the ones having trouble finding a place to live for <30% of their income.

For the average person in most fields of work or study, small towns offer very little in the way of job opportunities. That's why people move to big cities in the first place.


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/26/13 11:21 PM

Window air conditioner for the bedroom, at least! And let the kitty sleep in the cooled-down bedroom too. If it's too hot for you, it's definitely too hot for an animal with a fur coat.


How Do I Keep My Apartment from Becoming a Sauna? Good Questions
3/22/13 2:04 PM

Hey, our taxes go to a lot of idiotic things too, like lining the pockets of corrupt politicians and mobsters, or financing our language police (yes, really). And we have roads and bridges that are falling down, budget cuts everywhere, and potholes the size of small countries. Nowhere is perfect.

BUT... a perfectly nice one-bedroom apartment with rent control in a good centrally-located neighbourhood can be had for less than $800/month.

Everywhere has pros and cons. Most people choose where they live based on work, school, family or history. But ultimately, you gotta be able to afford your life, whatever it is. If you're spending more than you earn, housing could be a culprit.


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/20/13 10:54 PM

In Canada, land of the telecom oligopoly, it's sadly commonplace.


3 Free Things You Need Right Now For Your Home Office
3/20/13 8:56 PM

@Pearmelon, that depends on the age of your property, its condition, etc. but a good rule of thumb for a house is to set aside 2-4% of the house's purchase price each year for maintenance and repairs. If you don't end up spending it that year, you should put it in a dedicated account so when the big stuff happens, you'll have money set aside.

If you're living in a condo with monthly maintenance fees, you can probably include those fees in the 2-4% and just set aside the balance, since some major stuff will be taken care of by the condo association. But check to make sure how much they keep in reserve, and how often owners get assessed for unforeseen maintenance costs. And don't forget that you're still responsible for the maintenance of your own unit, so you'll need some money for that.

(Hence the reason why I rent. One of many, anyway.)


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/20/13 8:16 PM

@Borealis, the 50/30/20 rule is all well and good if you don't have any debt. If you're paying off debt, your rule should be more like 50/20/15/15 for needs, wants, savings and debt repayment respectively.

And like CanadianMango says, that needs to be AFTER tax. I live in Quebec and I'm not exactly rich but I still end up paying roughly one third of my income to taxes. For higher income earners, that number is closer to half. Try calculating those percentages on your gross income and you'll have a serious problem.

(To those Americans who think that sounds insane, consider this: We don't have to pay insanely high health insurance costs; we don't have to be slaves to jobs we hate just to keep our health insurance; health-related bankruptcies in Canada are rare and are mostly due to secondary effects like long-term loss of income, and not due to healthcare costs themselves. We also have things like 1-year subsidized parental leave, $7/day daycare, free college and cheap university so most of us graduate with no student debt... Life's a trade-off.)


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/20/13 8:12 PM

@FixItChick: "another piece of the rent v purchase equation not mentined here is that purchasing a house insulates you from rent increases"

So does rent control, if you're lucky enough to have it. (Ah, Montreal, I love you.)

And owning a house does not insulate you from property tax increases, mortgage interest rate increases when your term is up, or unexpected repairs.

IMHO, renting is far better from a budgeting perspective, since I can anticipate what my expenses will be far more easily than I could as a homeowner. Ownership is where all the uncertainty is.


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/20/13 5:34 PM

@Angorian: " I lived in Montreal for 6 years and the rent control system meant that I was paying less than half what a mortgage would cost for a similar place."

YES! THIS! I live in Montreal and my lovely 2-bedroom rent-controlled rental condo in the Plateau costs me less than *half* of what it would cost to own the very same place. And that's not just an estimate; I've run the numbers when other units in my building have come up for sale.

If I wanted to buy a place, I'd have to either live further out (ugh, suburbs) or reduce my space to the point where I was living in a teensy studio. As it is, I have a great apartment in the best neighbourhood around, and I can literally walk everywhere and I have lots left over for travel and spending money and just general enjoyment of life.


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/20/13 5:30 PM

Each time I move, I get a little bit lazier and a little bit spendier. The first time, I bribed friends with pizza and beer to help me move boxes. After that, I've hired movers ever since, and never regretted the money I've spent on them.

Likewise, my most recent move a couple of years ago was to an apartment that the previous tenants had left in a disgustingly dirty state. To be fair, they moved in the middle of winter, and had a baby and a dog. And it was a lease transfer, not a new lease, so the landlord didn't have any responsibility to clean up.

So I bit the bullet and paid to hire a cleaning lady for the day before I moved in. That's a luxury I generally don't allow myself in my daily life. But this was a godsend. It took me, my mom, two of my friends AND the professional cleaning lady a good eight hours to scrub the place top to bottom -- and it's not a big place! We were finding dog hair everywhere -- it was so gross! And don't even get me started on the state of the kitchen and the bathroom. Anyway, we swept, mobbed, scrubbed, vacuumed, dusted and washed every surface 'till we couldn't see straight, and we finally made headway against the dirt.

Afterwards, I felt like I could finally breathe, and when I moved in my stuff I could feel comfortable about putting it away and actually starting to live there. If/when I move again, I'll definitely do the same thing. It's worth every penny.


Your New Rental: 5 Spots To Clean Well
3/20/13 2:40 PM

The 30% rule is a good rough guideline, but it doesn't apply to everyone. The only number that matters at the end of the day is the bottom line: Monthly income (take-home) less monthly expenses (including savings and debt repayment). That number HAS to be greater than zero. If you're running a deficit, move somewhere cheaper, sell your car, get a roommate, cut spending, get a better job... whatever.

What amazes me is that in those 'rent vs. own" calculators, monthly cost of living is almost never taken into account. They all skew towards home ownership by ignoring all the recurring non-equity building costs of owning a place -- everything from maintenance to condo fees to property taxes to those never-ending renovations. If you're spending at the limits of your budget to rent, you can't just assume that if you get a mortgage with a monthly payment roughly equivalent to your rent, you'll be fine. It never works out that way, and that's how people become house-poor.


Life Lessons: Smart Tips for Determining the Rent You Can Really Afford Renters Solutions
3/20/13 2:32 PM