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Taking Care of Your Home On a Budget

Once you have a home, it becomes your responsibility to take care of it. You need to maintain all of its systems and replace anything that breaks. These expenses can add up, making home care a major drain on your money and going against your frugal living plans. However, there are ways to take care of your home on a budget. Use these tips to keep your home and wallet in good shape.

Save Up for Repairs

Try to keep some money aside for repairs. That way, when you find that you need to replace or fix something, you don't need to put the expense on a credit card or take it away from other necessary purchases. Decide what kind of savings plan would work best for you. You'll need to be able to access the money quickly, so choose an account that will let you do so without penalty. An IRA can be great for retirement or other distant plans, but not for this. There are multiple kinds of IRAs, including Traditional Custodial IRA and a Trusteed IRA, which are controlled by a custodian and a trustee respectively. Consider these for other savings plans while you put your repair money in a different account.

Prioritize the Most Important Repairs

Often, the most important repairs are the most expensive. So it can be tempting to save money temporarily by putting them off and doing smaller repairs first. Unfortunately, this approach can backfire, causing further damage and greater expenses later. Figure out what needs to be done to keep your home safe. Foundation repairs typically cost homeowners around $4,640 to repair. Since your foundation keeps your home stable and safe, do that first. Then you can focus on smaller repairs that cost less money to do. Frugal living also means considering your future. So don't just look at immediate expenses, consider the long-term consequences and spend your money accordingly.

Schedule Work For the Off-Season

Certain work is more commonly done at certain times of the year. For instance, you're more likely to chop down trees when the weather is warm and you'll be using your yard. Stump grinding, which eliminates the visible parts of the tree and leaves the roots to naturally decay, will cost you more during more popular seasons. It can take more than 10 years for roots to break down, so it is best to take care of them as soon as possible. If you can, schedule contractors to work on your house during the off-season. Repairs will be cheaper then, so you can save money.

Do Regular Maintenance

One of the most important parts of frugal living is taking care of what you already have. A regular maintenance routine will help you keep your house in good shape. Set yourself a schedule and figure out the best times to do maintenance and inspections both inside and outside of your house. The chores you need to do to maintain your property are usually fairly simple and focus on keeping things running correctly. They also allow you to find problems early on. Small repairs cost much less than major repairs do, so you want to get them taken care of before they get bigger. This will save you a lot of money.

When you're working on a budget, it might seem impossible to stay within it while taking care of your home. But, by following this advice, you can save a lot of money on repairs. Save up money when you can, and with some careful planning and regular maintenance, you'll be able to take care of your house on a budget. This will help you keep up with your frugal living goals as you live comfortably.

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