Stephanie Kane's Blog
When you budget to buy a home, you sit down, do the math, and try to estimate what all of your monthly costs will be. There are so many monthly costs that come with being a homeowner that can make the whole process complicated. Sure, you have taken the standard costs into account like home insurance, property taxes, and even utilities. But there are a few out-of-the-box costs that you’ll need to consider for your house hunt.
Flood Or Other Natural Disaster Insurance
Natural disasters are costly and devastating. Many homeowners who live in areas that are affected by natural disasters like floods and earthquakes often opt for additional coverage for their homes. Premiums for earthquake and flood insurance often end up being very high. As a natural disaster strikes, these premiums can go up even more. If you live in one of the high-risk areas for natural disasters, you’ll want to check with your insurance agent ahead of time to plan for the additional costs that these special kinds of insurance will incur.
Water Costs During A Drought
There are many areas across the US that suffer drought conditions from time to time. Your water bill can skyrocket during these times. It’s best to continue conserving water and watch your bill closely in order to try and save some costs. There’s not a whole lot you can do otherwise to control your bill. You’ll need to stay prepared with some extra cash on hand in case of these emergencies and know that costs can rise due to different environmental conditions.
Tax Hikes And Special Assessments
As a homeowner, you’ll need to prepare for different kinds of assessments and tax increases. If your condominium complex needs significant repairs then you’ll probably end up paying an assessment to help offset the costs. This is what comes with belonging to a homeowner’s association.
You can’t prevent that the town is building a brand new school that requires a tax increase, nor can you prevent roof damage on one of the buildings in your complex. Financially, this is a hidden cost of homeownership that you should be prepared for.
Unexpected Maintenance Costs And Home Furnishings
Once you move into a home, you’ll need to prepare for the unexpected. The dishwasher may need to be replaced. The roof may need repair. The walls may need some paint.
When you buy a home you may also need a bunch of things to furnish the home. These could include dishes, pots and pans, sofas, beds, and more. You don’t want to leave your new home completely empty! You also don’t want to be without vital appliances like an oven or a sink for too long if they are outdated or in disrepair. This is why it’s a good idea to have extra money on hand to deal with any of these costs.
The best rule of thumb to follow when buying a home is to always be prepared with a but of extra cash on hand to avoid major issues down the road.
7 Windemere Way, Nashua, NH 03063
Your roof is an important part of your home, and for something of its size, it is surprisingly delicate. Even minor problems can have a lasting impact on the integrity of your home. Learning how to spot some of the most common problems allows you to seek out help when you need to. Any one of these signs should trigger a call to a roofing company, just in case:
You see damage: You should never climb out on the roof yourself, but if you see visible signs of damage, you should call a roofing company. They can perform a full inspection and make sure that your roof is in the best possible shape. Damage doesn't mean a huge gaping hole; missing shingles, shingles that are curled or curved up and split shingles can lead to more extensive damage in a short period of time.
There are leaks: If your roof is leaking, then you definitely need assistance. Even a small trickle means moisture is where it shouldn't be -- and that will lead to more extensive damage. A drip or leak could also lead to mold growth and impact the air quality in your home.
You hear rodents: Squirrels, raccoons and other rodents love your roof and attic, particularly in the colder months. If you hear the pitter patter of little feet, then one or more of these critters could have moved in, damaging your roof in the process. For safety reasons and to protect your roof, you should have any animal signs investigated right away.
Your neighbors have roof problems: If you live in a community where the homes were all built from the same materials at the same time, then those materials could begin to fail at the same time, too. If you notice a lot of homes in the neighborhood getting repairs, it is a good idea to get an inspection soon, just in case.
You're planning on moving: If you want to sell your home soon, a roof inspection lets you find problems early and make any needed repairs before you list your home. This can prevent problems at closing and ensure you get the best possible price for your home.
Roof issues can go from minor to expensive in a flash and they won't go away on their own. If you spot one of these signs, the best thing to do is to get it repaired right away. Delay, and you could be looking at a more costly and extensive repair.
27 Wood Lane, Hollis, NH 03049
To save water and equally maintain your lawn, you need to ensure your sprinkler system is working correctly. During the winter months, keeping your garden might take a toll on you. Improving your sprinkler system requires that you regularly check for damaged or faulty sprinklers.
Improving your sprinkler system means you would produce a better and healthier lawn. Below are tips to guide you in enhancing your sprinkler system.
Replace Conventional Controller
To better improve your sprinkler system, replace conventional irrigation controllers with smart controllers that are user-friendly and has built-in water saver option and allows you to restart multiple time. The smart controller uses weather-based data received from local forecast to adjust its watering system each day. These intelligent devices would help you save water.
Raise Irrigation Heads
Irrigation heads that are bent and settling towards the soil cause too much water to get into the ground at that particular part. Raise the irrigation head as it will help prevent grasses and shrubs from interfering with how far the water sprinklers get. Be careful though will doing this to avoid damaging the lawn mower. Install A Built-In Pressure Regulator Replace pop-up spray heads with built-in pressure regulating devices to reduce the excess amount of water wasting in an area when the sprinkler is in operation. Doing this is estimated to save you 30% of water.
Change Water Wasting Heads
Replace sprinkler wasting heads with high-efficiency nozzles that are guaranteed to save about 30% on your water consumption. These efficiency nozzles reduce wind drifts and allow water to distribute over the lawn and landscape evenly.
Install Rain Moisture Sensor
A rain moisture sensor is a smart way of controlling your sprinklers from double wetting your lawn or landscape after a rainfall. The sensor will turn off the sprinkler system automatically when it rains saving you 15-20% of water.
Place Plants Into Groups
Grouping plants into various sections is a smart way to ensure each plant gets adequate water without the problem of too much watering or too little watering. Some plants require more water than others; turf needs more water when compared to shrubs.
Even Distribution Of Water
Ensure sprinkler heads are installed close to each other to avoid water from overlapping. Installing your sprinklers close to one another would also ensure all the planted areas get enough water.
Same Irrigation Head
To maintain your sprinklers, you want to ensure all your irrigation heads are all working at the same time. If there seem to an issue with the heads, you can detach and clean dust or debris from the head of the sprinklers.
Deciding to upgrade your sprinkler system is something you can do yourself, it won't take time, and it would save you money.