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Cutting Homeowner Costs Way After Signing The Dotted Line

November 10, 2020 By Christine Field

This post may contain affiliate links.

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When it comes to saving money as a home-owner, we often tend to focus too much on the process of actually buying the home. However, your budget can be affected by costs that go on far longer than that. We’re not talking about groceries or services here, but the costs of actually owning your home. Here are a few worth considering and ways you can cut them.

 

Link – Pixabay License

Have a whole home energy audit

Let’s get the bills out of the way, first. Your energy bills are likely to be your biggest cause of overspending when it comes to utilities. However, rather than recommending any specific advice, like buying a more energy-efficient appliance or watching out for leaving things plugged in overnight, it’s worth getting a home energy audit, instead. This looks at the whole home, where energy is getting wasted, and where you might be having trouble with controlling heating, as well, since that’s a big contributor. 

 

Don’t pay more for insurance than you need to

You might not want to change the specifics of your insurance coverage. If you are getting all the cover that you need, then you might want to stick with your supplier. However, an insurance adjuster can make sure that you’re getting the kind of coverage that you’re paying for or make sure that you’re not getting charged more on the level of cover that you have. When it comes to insurance providers, loyalty rarely pays, so don’t be afraid to change providers if there’s no functional difference in service but you could be paying less.

 

Take a closer look at your taxes

Everyone who owns their own home has to pay property taxes. However, if it seems like your property taxes are going up year on year, then you might want to take a closer look at why, exactly, that is. Depending on where you live, there will be different processes for appealing any property assessments that have been done in your county. It’s only worth doing if you think your taxes are significantly higher than they should be, however, as you’re not likely to get much of a reduction from, for instance, 2% tax rates no matter the case.

 

Check your roof every year

There is no part of the home that suffers more wear and tear from the weather than the roof. Nor no part of the home that can be as expensive when it fails. If your roof is leaking, water damage could be spreading from the top of the home for months without you noticing it. For that reason, make sure you have a roof repairman inspect the roof at least once a year for any signs of cracks or wear and tear. It’s better to replace it when you see those signs than to have to pay to remediate water damage and then replace it anyway.

 

As with any major costs, you need to cut them with care. Ensure you’re getting what you need but not overpaying for it. If you can do that, you can enjoy some peace of mind that you’re not depriving yourself for the sake of your budget.

Filed Under: Home maintenance Tagged With: homeowner costs

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Hi, I’m Christine

Have you been a wholehearted mother, but time, toddlers and teenagers have moved on? If you are wondering what comes next for you, you’ll feel right at home here.

Or, are you a mom for whom family life has been non-Pinworthy and parenting has been downright painful? I hear ya. There are many of us around.

Are you looking for a life full of exploration and adventure after the nest empties, but maybe you have no idea how to go about doing that? Stick around! We’ll explore adventures together to help you gain more clarity for your own path.

After a couple decades of writing books and articles about parenting, homeschooling and adoption, speaking to homeschoolers and other parent groups, and reaching out to the mom in the trenches who was trying to make the best of it - my kids grew up. Some grew up and grew away. I was determined to find a way out of the pain, emptiness and lack of direction.

For many of us, the journey starts with something we moms are not accustomed to. After years of caring for and serving others, sometimes we forget the beauty and wonder of US. We need to spend some time getting to know the parts of ourselves that have lain dormant, and take the time to explore interests and passions that we set aside.

I’d like to invite you to get the “What’s Next for Mom” workbook and jump into this growing tribe of Moms who are emptying the nest and filling the life! Let’s reignite your Mojo after Mothering!
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About Christine

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At Real Mom Life, my passion is to provide resources and reassurances for moms facing the surprising challenges of family life. In my writing and speaking, I explore solutions to unexpected issues in adoption, homeschooling, special needs, and more while encouraging moms to extract the maximum joy out of each day. Read More…

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