Entering the Foray of Personal Finance


Mrs. Sustainable PF agreed to marry me about two and a half years ago and we wed just over a year ago.  We determined that we needed to prioritize some important things in our lives which included choosing and buying a home together as the house we were living in was one I purchased shortly before meeting Mrs. Sustainable PF.  We fixed up our house and sold it while also finding and purchasing the house of our dreams. We also wanted to buy a new car, a Subaru Outback, which we purchased in the Summer of 2010.  Both of these…

Our ecoEnergy Retrofit


In September 2010 we moved into our new (to us) 100 year old home.  We felt it prudent to ask for average utility costs prior to buying and we were taken aback at the heating costs of our soon to be new home.  I had done an ecoEnergy retrofit on our last home (heating block was cracked in the 25 year old furnace so I wanted to get some money back, wanted to save money on heating and reduce our carbon foot print) and in 2009 our average heating bill was $96 per month (mainly due to a warm winter,…

The ecoEnergy Retrofit Program


[caption id="" align="alignright" width="300"] Image via Wikipedia[/caption] The ecoEnergy Retrofit Program is (was) a fantastic idea where the Federal and Ontario governments would provide up to $5000 to homeowners who was to make their homes more energy efficient.  I say "was" as the Tory government suspended its involvement in March 2010 a full year prior to the planned end of the program (March 31, 2011 where you could get tax credits for 2011).  Ontario will also end its involvement in the program as scheduled.  The program essentially gives rebates to home owners who make their home more energy efficient depending…

Our US Subaru Outback Purchase – Part III – Financials


This series of posts outlines how we saved $9364.47 importing a 2011 Subaru Outback Limited in the United States as a vehicle import.  The following is the purchase details of our purchase. Here are the numbers: Total Cost: $27,293 invoice (MSRP in brackets) $26270 invoice for car ($27995) $695 destination fee $309 for PZEV -$300 dealership discount $110 State Fees $52 - rear bumper cover ($80) $84 - splash guards ($129) $34 - rear cargo net ($52) $39 - all weather mats ($69) Assessed price (in CDN for taxation purposes - assessed at customs): $28,288 $1,514.42 GST + AC tax…

Our US Subaru Outback Purchase – Part II – The Journey


This series of posts outlines how we saved over $9300 buying a 2011 Subaru Outback Limited in the United States as a vehicle import.  The following is the tale of the journey to make our purchase. We arranged to pick the car up Monday, July 12th at 11am. Originally we were hoping to use the Thousand Islands bridge to export, but K at the Subaru dealership informed us that this port of entry has different rules than does the Lewiston Bridge near Buffalo. Basically, Thousand Islands requires the original title, signed, whereas the Lewiston Bridge only requires a faxed unsigned…

Our US Subaru Outback Purchase – Part I – Background


It was time for a new car. We own a beautiful 3 yr old giant breed dog (not depicted). Our 2002 4 door Hyundai Accent meant our 100+ lb dog took the (entire) back seat and our 300 litre trunk had to accommodate the rest of our storage. Our hunt started in Dec 2009. We almost bought a used 2006 Ford Focus wagon via private sale.  We believed we needed something bigger even if we didn't save gas. So we decided against the Focus and started looking at new cars. I asked around on RFD in the Automotive forum. I…