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Old 12-28-2014, 09:11 PM  
TambaBerry TambaBerry is offline
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What are some things I need to do with a house? I've always just rented. Any basic maintenance upkeep to save me money in the future?
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Old 12-28-2014, 09:46 PM   #16
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I've been in my house about 10 years now. I keep a savings account and make sure to set aside some maintenance money, but I also have a plan with TotalProtect.com, and I have to say it's been worth it.

It was offered to me as part of my mortgage. Of course, homeowners insurance will cover most big things, but the TotalProtect thing will cover any appliances, plumbing work, etc. that goes bad.
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Old 12-28-2014, 09:49 PM   #17
TimeForWasp TimeForWasp is offline
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Oops 1400
See what water damages does? Your house already shrunk a bunch.
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Old 12-28-2014, 09:49 PM   #18
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Be prepared to be pissed around this time every year when property taxes are due
When you pay off the house, you notice the property taxes even more.
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Old 12-28-2014, 09:52 PM   #19
Buehler445 Buehler445 is online now
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It's just a 11400sq foot ranch home smack in the middle of joco
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Oops 1400


I was going to come live in your guest house....

Water is the real killer. Make sure water flows away. Make sure basement windows are in good shape. I ran a concrete sidewalk all the way around the house so it would shed water. The dumbest thing people do is put a ****ing flower bed next to their house, you know, just to make sure that the soil surrounding your foundation is ALWAYS saturated. F that. I'm actively working to ensure there is never water in my basement. Ever.

Have a HVAC guy come look at your heater AC. If they're working at capacity, it will save you a pile of money.

Clean your gutters.

Trim your trees if you have them close to the roof. It's easy to forget about them and have them kill your shingles, then BAM leaky roof. Water is the killer.

Check your undersink, toilet, washing machine and dishwasher plumbing frequently for leaks. Water is the killer.

Probably a good edea to have a pest control guy come and treat for termites fairly regularly.

Like PB said, Start saving money for bigger expenses, AC, windows, carpet, fixtures. You probably can't pay for it all in one year, so you just as well get started saving.

Pay extra principle. Especially early. Almost all of your check in the beginning is interest. Pay as much extra premium as you can handle. It'll really surprise you how much equity you'll build, with just a few extra dollars. If you don't believe me, build an amortization table in Excel and fiddle with it. Even $20/ month is worth it. Just do it.
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Old 12-28-2014, 09:54 PM   #20
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When you pay off the house, you notice the property taxes even more.
That's for sure.
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Old 12-28-2014, 10:32 PM   #21
Mr. Flopnuts Mr. Flopnuts is offline
FINALLY! The wait is over.
 
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I'm happy fanduel is treating you well. Lol
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Old 12-28-2014, 10:34 PM   #22
Mr. Flopnuts Mr. Flopnuts is offline
FINALLY! The wait is over.
 
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As a former credit manager my best advice is that if you make 13 payments a year instead of 12 you'll make 20 extra payments and cut 10 years off your 30 year loan. That's a net gain of 100 payments. Don't be an idiot and make that happen at any cost!
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Old 12-28-2014, 10:37 PM   #23
TambaBerry TambaBerry is offline
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Some very good advice in here thanks everyone.
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Old 12-28-2014, 10:37 PM   #24
TambaBerry TambaBerry is offline
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I'm happy fanduel is treating you well. Lol
Haha I've slowed that roll way down
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