Urban "Off the Grid"

Stephanie Barritt • August 22, 2019

You're on "the grid"

Every few weeks, we open our mailboxes (or our email inboxes) with bated breath. Inevitably, we find another heap of utility bills, waiting to separate us from our hard earned dollars. This is not unusual; this is simply part of life for most Canadians. But, what if it didn’t have to sting so much? What if this cycle didn’t have to replay itself, in it’s ugly fullness, month after month? What if we could cut down on our bills while being kind to mother nature?

For a small (but growing) number of hard working Canadians, living utility bill free has become a reality. How, you ask? These folks have left the power grid behind. And no... no one is suggesting you move to a place like this (unless of course that is what you want to do).

Now, let’s be frank, here: many of these “off the grid’ers” live in rural areas, often times to the point of total and complete seclusion. But the fact remains, most of us live in urban areas. We’re involved in our communities; we have families and responsibilities. So, while it may not be possible for the majority of us to live entirely off the grid, it’s certainly worthwhile to ask the question of, “How can we use the self-sustaining technology that’s been developed to lessen our footprint and gain a measure of independence for ourselves?”

WHAT is “the grid”?

You’ll hear the term “the grid” often within this series; but don’t be afraid. Each time, we’ll be referring to the power grid, or the power distribution grid. Essentially, it’s the way that power travels from it’s source to your home.

Most of us use this power every day, for various tasks such as: connecting our devices and appliances to power outlets, cooling our homes in the spring and summer, heating our homes in the fall and winter, cooking our food, refrigerating much of our food, etc. And sadly, we, as a society, have become largely dependent on this technology; so much that, in the event of a power outage many neighbourhoods become completely crippled. The city of Toronto suffered a major ice storm in late December of 2013, and countless folks had to leave their homes because they weren’t set up to live, even a few days, without grid powered electricity.

WHY going “off the grid” is gaining traction...

Why is going off the grid gaining traction with an increasing number of people? There seems to be three main reasons. Firstly, producing your own power takes away the need to buy it from others, thus saving you money. It’s just that simple. Secondly, for many individuals, concern for the earth and the desire to cut down on their environmental footprint takes precedence. And thirdly, many people simply don’t like the idea of remaining reliant on others for the necessities of life.

This is larger than fear mongering, and it’s wider than the few individuals who live in the hills outside of town. As the population grows, and as the threat of natural and man-made disasters creep closer to home, many individuals are asking, “What would I do in the event that [fill in the blank] happens?”. And this question often leads to a deepening interest in all things self-sufficiency.

WHO can do it?

If you resonate with any or all of the previous rationales behind going “off the grid”, you might be a candidate to take the next step.

Which leads us into our final “W” of this post:

WHERE: Off the grid living in an urban setting...

While “off the grid” style living has been popularized by people who generally occupy the nooks and crannies of this world, an increasing number of city and suburban folk are taking up the challenge. The Ingredients needed are straightforward: willing individuals, a base of knowledge (because remember, knowledge is power!), and some help to get it all started.

Urban “off the grid” living is honourable and achievable (at least to a certain degree). It just takes a little creativity and a willingness to look at life from a slightly different angle.

STEPHANIE BARRITT
MORTGAGE EXPERT

CONTACT ME
RECENT POSTS

By Stephanie Barritt July 10, 2025
Summer in Canada is short—but sweet. With warm weather and long evenings, it’s the perfect time to get outside and enjoy your outdoor space, no matter how big (or small) it is. Whether you have a tiny patio or a sprawling backyard, a few creative upgrades can go a long way toward turning your space into your personal summer oasis. Below are ideas for every type of outdoor space, from cozy balconies to large backyards! For Patio-Only Spaces Limited to a balcony or concrete patio? No problem! Small spaces can still offer big enjoyment. 1. Upgrade the Flooring Add interlocking tiles to give your concrete floor a more polished look—wood grain, grass panels, or composite styles are all popular, easy-to-install options. 2. Create an Outdoor Movie Zone Hang a pull-down screen or grab a portable stand, pair it with a mini projector, and voilà—your very own outdoor movie theatre under the stars! 3. Start an Herb Garden Railing planters are perfect for growing basil, mint, parsley, and more. Fresh herbs at your fingertips—and they smell amazing too! 4. Add Some Twinkle Wrap fairy lights around your railing or overhead beams to bring cozy vibes and nighttime charm. 5. Grill Like a Pro Maximize your BBQ season with a compact baby-que. Weber’s Q Series is a great option for small spaces without compromising grilling power. For Small Yards A little yard can still pack a lot of personality. Here are ways to make the most of every square foot: 1. Game Time! Add a mini putting green or an axe-throwing target (just be safe!) for quick bursts of backyard fun that don’t take up much space. 2. Warm Up Your Nights Add a heating lamp or portable fire bowl to keep your evenings cozy well into the fall. 3. Grow Your Own Produce Build or buy a raised garden box to grow tomatoes, cucumbers, lettuce, or other easy vegetables. Gardening is relaxing—and delicious! 4. DIY Bird Bath Make a pedestal bird bath using an old vase, a platter, and strong glue. You likely have everything you need already at home—and the local birds will thank you! For Big Yards If space isn’t an issue, the sky’s the limit! Here are some larger-scale projects to take your yard to the next level: 1. Build a Catio Yep, it’s a “cat patio”! Give your feline friends a safe way to enjoy the outdoors with a screened-in enclosure attached to your home. 2. Create a Permanent Fire Pit Use stones and a fire ring to build a beautiful, safe fire pit. You can even add airflow cutouts to reduce smoke—perfect for those marshmallow roasts! 3. Tile a Dining Area Install paving stones or tiles to define an outdoor dining space. Add a table, some string lights, and enjoy al fresco meals all summer long. Need More Inspiration? If none of these projects quite fit your vision, check out Home Depot’s DIY backyard ideas—complete with step-by-step instructions and material lists to help you bring your outdoor dreams to life. Soak It Up While It Lasts No matter the size of your space, there’s always something you can do to enhance your outdoor experience. So get out there, get creative, and make the most of these sunny summer days. See you back here in August—with more tips, tricks, and homeowner insights!
By Stephanie Barritt July 9, 2025
If you’re like most Canadians, chances are you don’t have enough money in the bank to buy a property outright. So, you need a mortgage. When you’re ready, it would be a pleasure to help you assess and secure the best mortgage available. But until then, here’s some information on what to consider when selecting the best mortgage to lower your overall cost of borrowing. When getting a mortgage, the property you own is held as collateral and interest is charged on the money you’ve borrowed. Your mortgage will be paid back over a defined period of time, usually 25 years; this is called amortization. Your amortization is then broken into terms that outline the interest cost varying in length from 6 months to 10 years. From there, each mortgage will have a list of features that outline the terms of the mortgage. When assessing the suitability of a mortgage, your number one goal should be to keep your cost of borrowing as low as possible. And contrary to conventional wisdom, this doesn’t always mean choosing the mortgage with the lowest rate. It means thinking through your financial and life situation and choosing the mortgage that best suits your needs. Choosing a mortgage with a low rate is a part of lowering your borrowing costs, but it’s certainly not the only factor. There are many other factors to consider; here are a few of them: How long do you anticipate living in the property? This will help you decide on an appropriate term. Do you plan on moving for work, or do you need the flexibility to move in the future? This could help you decide if portability is important to you. What does the prepayment penalty look like if you have to break your term? This is probably the biggest factor in lowering your overall cost of borrowing. How is the lender’s interest rate differential calculated, what figures do they use? This is very tough to figure out on your own. Get help. What are the prepayment privileges? If you’d like to pay down your mortgage faster. How is the mortgage registered on the title? This could impact your ability to switch to another lender upon renewal without incurring new legal costs, or it could mean increased flexibility down the line. Should you consider a fixed rate, variable rate, HELOC, or a reverse mortgage? There are many different types of mortgages; each has its own pros and cons. What is the size of your downpayment? Coming up with more money down might lower (or eliminate) mortgage insurance premiums, saving you thousands of dollars. So again, while the interest rate is important, it’s certainly not the only consideration when assessing the suitability of a mortgage. Obviously, the conversation is so much more than just the lowest rate. The best advice is to work with an independent mortgage professional who has your best interest in mind and knows exactly how to keep your cost of borrowing as low as possible. You will often find that mortgages with the rock bottom, lowest rates, can have potential hidden costs built in to the mortgage terms that will cost you a lot of money down the road. Sure, a rate that is 0.10% lower could save you a few dollars a month in payments, but if the mortgage is restrictive, breaking the mortgage halfway through the term could cost you thousands or tens of thousands of dollars. Which obviously negates any interest saved in going with a lower rate. It would be a pleasure to walk you through the fine print of mortgage financing to ensure you can secure the best mortgage with the lowest overall cost of borrowing, given your financial and life situation. Please connect anytime!
More Posts