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Do you own a home? I know. It can be expensive. We cover the expenses every homeowner needs to save for in today's contributed post.
Homeowners have a lot of responsibilities to prepare for when they move into the freshly purchased house. If you arrive at these obstacles unprepared, you will end up having to borrow or struggling to make ends meet.
To help you avoid getting into financial trouble, the below list will give you a few things to look out for. As Murphy’s Law says: whatever can break will do at the worst possible time.
While you might have purchased everything new when you moved into your home, after a couple of years, depending on the use, they are likely to need your attention. Regular maintenance of washing machines and dryers, dishwashers can prevent a lot of problems. If you have hard water in your area, make sure that you use professional household appliance descaling products, so you can prevent limescale and extend the lifespan of all your household items.
No matter where you live, storms and severe weather are likely to become more common, due to the impact of global warming and climate change. If you are not prepared for storms and wind, you might need to look for fast cash loans to get the damage repaired and keep everyone dry under the roof. Most home insurance policies have a tornado or storm exclusion, so make sure you read the small print and choose accordingly.
If you have purchased an old cottage or farmhouse with a character that hasn’t been rewired for decades, it is only a matter of time when the system will fail and your fuses will start blowing one by one. Old electrical systems are not designed for today’s power demand, so you should get your wiring and fuses checked by a professional before installing your high power washing machine or electric heater. At the same time, surge protectors can prevent your smart TVs from getting damaged by fluctuating voltages.
It is important that you keep an eye on your heating and air conditioning system regularly and get it checked by a professional. Too much dust and dirt can block the vents, reduce the efficiency of the entire HVAC system, and - eventually - result in a breakdown. If you are planning a home renovation after you move in, make sure that you get your vents and air ducts professionally cleaned after you have finished with all the work, so you are not compromising the performance of your heating and air conditioning.
No matter if you would like to stay in your house forever, it is best to keep on top of the gardening jobs every year. Protect your decking and wooden structures, paint your fences, and cut back the trees to prevent them from growing under the pavement or making the fence panels fall or collapse. You should also keep your garden tidy to prevent pest invasion and enjoy the great outdoors without distraction. On the other hand, if you decide to sell, a clean and easy to maintain garden can be a bonus for buyers.
If you are looking to change with the times, kitchen and bathroom home upgrades are necessary every couple of years. You will have to budget for the project and schedule it to a time when it is not going to interfere with your or your family members’ daily life. You don’t necessarily need to do all the work at once, but when it comes to bathrooms and kitchens, once you have changed the cabinets and suites, it is likely that you will need new tiles and flooring.
Prevention is always better than dealing with breakdowns and expensive repairs. You will need a home insurance you pay for every month for a peace of mind, but you can also take out extra home emergency cover to help you through the difficult situations you might encounter as a homeowner. Instead of having a breakdown insurance on all your appliances separately, you should have one policy that covers everything.
If you would like to enjoy your life without distractions, it is important that you are prepared for all the emergencies that can occur in your house. As a homeowner, you will have to rely on your own resources and money to get important appliances and services fixed as soon as possible. Look out for the above areas and have adequate savings or insurance cover to enable you to get on with your life no matter what’s around the corner.