There are countless reasons why we may come to a time in our lives when it will just make sense to downsize from the homes that we raised our families in, to a more financially and physically manageable space. Whether it is from acreage to a condo, to a townhouse to a condo, there are many variations on what your new happy space can look like. The task can definitely seem daunting, but there are steps that you can take that will have you breathing a sigh of relief rather than of discontentment. Here are just a few simple ways that will get you heading in this new and exciting direction!

Steps to take to make downsizing much simpler:

1. Why Delay? Get started right away!

Being rushed = being stressed. As soon as you make the decision to make the move, and even before you contact your local real estate agent, it is a good idea to start the process of purging items that don't bring you joy right away. Also, give your family the time to decide if there are pieces of furniture they would like to incorporate into their homes. Take it slow so that you can avoid the feeling of being overwhelmed.


2. Start Small.

If you have raised 3 kids under your roof, you are bound to have what feels like a million sets of sheets, and an unnecessarily high amount of towels. Will you need all of this in your new space or can your new linen closet get away with being only 1/3 the size of your current one?
Speaking of linen closets - this is a perfect place to start. Start in the rooms where there are items that you will have the least amount of emotional attachment to, or rooms that have large items that require selling, and that you won't want to be moving on your own such as the garage.

3. No garage? No office? No problem


Revel in the fact that you might not need your lawnmower any longer - perhaps you have purchased a condo and strata will now take care of outside maintenance. Sell that lawnmower, tools and everything else that you used to need to keep the outside of your home looking perfectly groomed. 

Essentially you are looking to sell, gift, or donate any items that occupy rooms that you do not have in your new space. If you no longer have an office, where will you put office supplies? Think about the space that you now have not the spaces that you had.

4. One isn't the loneliest number.

3 flippers? 5 saucepans? 6 cookie sheets?  It's time for the clutter to take a hike.  Beautiful dishes and serving platters might be better off finding a happy home at a home that entertains often. Really take the time to consider what you will truly need in your day to day life in your new space.

5. Only make 'Yes' or 'No' piles — no Maybe's.

Be objective and absolute in your resolve to downsize your belongings. Do I use this daily? KEEP. Weekly? KEEP Monthly, or occasionally? BYE-BYE! Black and white is the only way to think in this case. If you start to think maybe, you will end up with a pile of goods that you will never use, and will be occupying valuable space in your bright new home. 

6. Don’t be afraid to sell things yourself.


From Poshmark to Craigslist, Ebay, Kijiji, as well as numerous Facebook groups to traditional yard sales and consignment shops, selling your valuables has never been easier. Be sure to weight out your time cost compared to how much money you are making by selling these items. Donations go along way with those that are in need!If you have a number of antiques or valuable items, it is a good idea to get in touch with a company that is familiar with auctioning these types of items. These pieces, after all, have been an investment over the years.

7. Enjoy the walk down memory lane!

You've held onto so much for so long. Every stuffed animal, elementary school drawing, and take me home from the hospital outfit holds so many memories. Enjoy the memories. This is why you held onto these items all of these years — to spark joy and memories of the best times in life!These items represent a life well-lived, and families well raised. You may no longer need to hold onto all of them, but take a moment, even take some pictures and take the time to remember great days your family spent together making these precious times.

The next step? Enjoy the knowledge that you are taking your next step with a clear mind and many less moving boxes than before you started the downsizing process!

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Ranj, Dave, Jenn, and Marina at the Ranj Takhar office, are so grateful to be a part of your selling & purchasing experience, and we are so excited when the time comes for our clients to make the big move! We realize that, though we go above and beyond to give you a seamless selling and buying experience, there is no way to avoid the next step in the moving process - the packing. It can be daunting and overwhelming. Nevermind that you might feel like you are drowning in a sea of brown cardboard boxes, that will collapse when overfull. Sound fun? Not really!  This is exactly why we recommend FROGBOXes to our clients!

“Frogbox was created to fill a need for a convenient, cost-effective and environmentally friendly alternative to using cardboard boxes for moving. Cardboard boxes are not an ideal solution for moving your home or business. They add unnecessary hassle and expense to your move. Our purpose is to make your move as easy and affordable as possible while minimizing the impact on the environment. We provide eco-friendly reusable moving boxes and other moving supplies. Cardboard and paper waste make up an estimated 18% to 26% of landfill material. When you combine this with the negative impact of logging to produce the cardboard in the first place, the environmental impact of cardboard is significant. Doing something good for the environment doesn’t have to cost more or make things more difficult—Frogbox makes moving Easier on the Earth and Easier on your Wallet.



HOW THE FROGBOX BOX SYSTEM WORKS:

1. Frogbox Drops off your Frogbox Moving Boxes

No need to drive to purchase expensive cardboard moving boxes! Frogboxes are delivered directly to where you need them by the friendly local Frogbox team.

2. Pack Up Your Stuff in Frogbox Plastic Moving Boxes and Move to Your New Pad

Frogbox’s eco-friendly plastic moving boxes make packing quicker and easier, and easier on the environment too!

Frogboxes are much easier to handle than cardboard. They stack perfectly, protect your valuables, are water-resistant and have ergonomic handles.

3. Your Friendly Local Frogbox Team Comes Back to Pick Up Your Frogbox Moving Boxes


When you are all unpacked and settled in, just give Frogbox a call! One of their Frogbox trucks picks up the plastic moving boxes at your new place. This means you can spend your time enjoying your new pad, instead of breaking down cardboard boxes and figuring out what to do with them!


While you are browsing the website, check out all the other products FROGBOX offers to make your move go smoothly. Please feel free to add additional items at your cost.

 

FROGBOXes are delivered to your pad, you pack up and move and FROGBOX picks them up from your new pad. It’s just that easy. Enjoy!

P.S. Did you know that when you sell your home and purchase a home locally with us, that you receive 50 Frogbox rentals at no charge? Now that is something to RIBBIT about!





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You may have heard that a buyer’s market is the PERFECT market to purchase real estate for investment purposes. But have you ever wondered, and thought you should know, but have been too shy to ask…..who has a half a million dollars sitting around just waiting to be invested?! If you are like millions of Canadians, you don’t. So how are so many people able to invest in property and take advantage of this market and the low cost of lending that we are currently enjoying? Tapping into a Home Equity Line of Credit is the answer to building your real estate empire, and ultimately building your personal wealth.

KEY POINTS TO CONSIDER:

  • A HELOC uses the equity in a home to provide investors with extra cash for a down payment and the purchase of an investment property.

  • Ask us to refer you to one of our preferred Mortgage Brokers to guide you on your HELOC journey.

  • Accumulated a bit of higher interest credit card debt along the way? A home equity line of credit can also be utilized to consolidate debt.

Using a Home Equity Line of Credit  (often referred to as a HELOC), to purchase an investment property will allow investors to tap into assets, such as the homes that they are living in, that have managed to build up equity over a period of time. Rather than leave this equity untouched, homeowners can use a HELOC to do things such as upgrade their home, purchase a second or third investment property, or even consolidating debt. Understanding how to use a Home Equity Line of credit is crucial for anyone looking to build wealth through real estate investing.

WHAT IS A HOME EQUITY LINE OF CREDIT (HELOC)?

A home equity line of credit is a homeowner line of credit that is advanced based on the value of the property that is being used as security and typically is separate from your traditional mortgage. It is different than a regular mortgage in that the borrower is required to make an interest-only payment on the amount actually utilized rather than on the entire amount of the Line of Credit extended.

HOW TO PURCHASE AN INVESTMENT PROPERTY WITH A HELOC

In order to use a HELOC to purchase (investment) property, investors must first have an asset with enough equity to tap into - ie. you have a $300,000 mortgage on an $800,000 dollar home. When this kind of scenario exists, a HELOC becomes an excellent source of financing. This means you can tap into a percentage of your $500,000 equity to borrow for either a down payment on another home, debt consolidation etc.

- Investors can borrow money against the equity in one rental property to fund the purchase of another.
- Investors can use a HELOC to fund home improvements for their rental properties, just as a homeowner would for their primary residence.
- Investors can also use HELOCs to pay off other high-interest debt if necessary.
- Consider that rental property mortgages generally carry a higher interest rate, smart investors can get a HELOC on their primary residences to pay off the mortgages on their investment properties.

When speaking to a mortgage broker, a lender will look at your debt-to-income ratio, your credit score, other open accounts, and a homeowner’s overall financial health.

If utilizing the equity in your home to purchase additional properties and build real estate wealth is a new concept to you, and one that you are potentially interested in finding out more about today, please do not hesitate to contact Ranj, Dave or Jenn. We work with excellent mortgage brokers that will help guide you in discovering the amount of equity that you can put to work.


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Did you know that all of us in the Ranj Takhar office live in East Abbotsford? That’s right…myself, realtors Dave Jones and Jenn Schotts, as well as our Administrative Manager Marina Baerg are all living, working, raising families, and enjoying life in East Abby! In addition, our brokerage, Homelife Glenayre Realty, is the ONLY real estate office located in East Abbotsford, within the City of Abbotsford! While we love this entire city that we are proud to live in, let me tell you about just a few of the reasons why, as realtors and residents, we love East Abby in particular.

Education:
East Abbotsford offers some of the City of Abbotsford’s finest schools, from elementary to middle to high schools such as Robert Bateman and Yale Secondary School. Ranj attended Robert Bateman Secondary School and is proud to call many of his former classmates his friends and clients. Jenn and Marina both currently have kids in all levels of schools in East Abby!



Recreation: Who doesn’t love a Sunday afternoon skate complete with snow falling on the ice at the Abbotsford Recreation Centre or spending time going to and from many a swim lesson? Our state of the art rec centre has so much to offer and you can easily stay up to date with the City of Abbotsford Parks and Recreation program guides! In addition, hop on a Discovery Trail or head to the dog park or yoga at Parallel Yoga and you’ll soon discover all that East Abby has to offer.



Shopping & Dining: From farm fresh corn at Lepp Farm Market and our favourite selection of home-baked goods and in house crafted charcuterie to a hot cup of gourmet coffee at Cafe Amarti (where we love to meet with our clients), East Abby is a foodie’s delight! Did you attend our wine tasting event this past April at the Clayburn SchoolHouse? If you did you will remember the delicious assortment of Lepp Farm Market housemade goodies! We love to support the small businesses around us! The Clayburn Village Store is another one of our must-stops. If you have the time to joinus for lunch or a coffee, don’t be surprised if we take you to one of these East Abby spots! Be sure to check out the upcoming Applelooza Event at Lepp Farm Market and enjoy fresh-pressed apple juice (literally pressed right in front of your eyes with the Mobile Juice Factory) straight from the Lepp’s Orchards in Osoyoos.



Everyone in the Ranj Takhar office is very proud to live, work and play in East Abby, a small slice of heaven in our city in the country. With hundreds of homes sold in East Abbotsford, if you are looking to purchase or sell, we understand our neighbourhood and the property values - a major asset when listing your home for sale or moving into the area. When you are shopping for “homes for sale near me” or a “realtor near me” or if you are looking to move to our neck of the woods, you should give us a call. We are truly your East Abbotsford specialists!

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We are quickly approaching our 3rd Annual Blueberry Pancake Breakfast! Have you got the details in your calendar? Saturday, July 27 from 10 - 12 pm at Westberry Organic Farm: 34488 Bateman Road.

Be sure to bring the entire family for a pancake brunch and a morning of berry picking, face painting and more - gluten-free options available


Next Saturday is, however, more than just a pancake breakfast that I host with my colleagues; Marina, Dave and Jenn. This Client Appreciation event is a celebration of YOU, our client, the backbone of our business. As you know, I am not typically at a loss for words. I hope you know how grateful I am for your business, loyalty, friendship and referrals over the years, this is a chance for me to show you how much you mean! 

Just as Starbucks didn't become Starbucks in a day, my career has been able to progressively grow over the past 10 years because of YOU. Not a day goes by that I am not filled with gratitude that I have been able to play a part in helping you achieve your real estate goals. I am overwhelmed and in awe at the amount of trust that you put in me with potentially the largest transaction you will make in your life. I never forget what that truly means.

No matter how we met; whether we grew up together, connected through a like-minded love of real estate investing, or you were graciously referred to me through a past client of mine, family or friend, you matter so much.

Now come on out, enjoy some pancakes, pick some blueberries and let me extend my thanks in person.

Trust us, we will have you looking forward to our Christmas and Spring Wine Tasting Events!

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I have listed a new property at 9 34230 ELMWOOD DR in Abbotsford.
TEN OAKS, one of East Abby's most sought after townhome complexes offers you a beautiful 3 bed 3 bath Bateman Series End Unit boasting almost 1500 sq/ft. This desirable floor plan includes a large double car tandem garage + driveway (3 parking spaces total), upstairs is bright and open with lots of windows to soak in the light, upstairs you have 3 bedrooms + laundry! On the main floor you'll enjoy the large designer kitchen complimented by quartz counters and S/S appliances including a gas range! This unit even has A/C & forced air heating! This complex is only 3 years young, covered under the balance of home warranty! Ten Oaks is located close to shopping, schools, parks, trails, commuter access etc! Rentals and pets are allowed making this a great opportunity for any buyer or investor.
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You'll be seeing alot of us.

We’re looking forward to it.

Ranj

Ranj Takhar
Realtor
ranj@ranjtakhar.com (Email)

Born in Abbotsford and having spent most of my childhood here, my roots are firmly planted in this community. My wife and I are the proud parents of three young kids who we’ve chosen to raise in Abbotsford as well. We’re also avid property investors. My passion for real estate is only exceeded by my love of my family.


Professional excellence drives my every decision. Starting out in real estate, I mentored under industry leaders to learn best practices. After nearly a decade in the business, I hired one of the top coaches in North America to work with me every week to ensure I excel even further. And I’m applying all my knowledge and client dedication toward building one of the best real estate businesses in the Fraser Valley, founded on my high standards of service.


Whether you’re a first-time home buyer or a seasoned investor, you deserve the highest level of service. My team and I will ensure you get it. No matter your problem, if it’s real estate related, I’ve been there and can solve it.

Marina

Marina
Administrative Manager
marina@ranjtakhar.com (Email)

Attention to detail is my middle name. As the Administrative Manager, I handle the fine points, making sure every single piece meets the highest of standards. From listing to close and everything in between, I manage all the pieces involved in real estate and take pleasure in ensuring a smooth transaction for every one of our clients. When I’m not dotting every ‘I’ and crossing every ‘t’, I’m hiking with my family along one of the beautiful trails near our Abbotsford home or attending one of my kids’ baseball games. Having gone through the home buying and selling process myself several times, I want to see each of our clients as successful and happy in their investments as I am.

Dave

Dave Jones
Realtor
dave@daveandranj.com (Email)

Ranj says I’m the one everyone wants to have a beer with – I like to think that’s true! Having lived in Abbotsford for over 15 years, I know what makes this a great community for families – my wife and I raised our two kids here. The same love of helping people and serving my community that drew me into a long-standing career in the Canadian Armed Forces eventually inspired the change to real estate. Now it is my pleasure to understand the ins and outs of the property market for the benefit of my clients. Whether matching buyers to the right homes or guiding a seller through a complex negotiation, service and loyalty remain my guiding principles to my business.

Jenn

Jenn Schotts
Realtor
jenn@ranjtakhar.com (Email)

I grew up in Langley in the Brookswood area, and lived there until I married my husband Steve in 2004 and we made Abbotsford our forever home. We have grown our family to include three kids, two dogs, a cat and even a mom-in-law! I can often be found at one my two son's many baseball games, knitting while cheering them on! I have an extensive background in sales, sales management and training, and I have worked in a Marketing Director capacity for local companies such as Cap-It and Lepp Farm Market. I have long considered becoming a licensed realtor and I finally took the leap in 2018. I believe that my endless energy, passion & tenacity make me a good fit with Ranj, Dave & Marina. Nothing matters more to me than giving my clients a memorable and truly excellent customer experience, that will result in long term client relationships.

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