Your home is the place where you should feel the safest and most secure. It’s more than just bricks and mortar, it’s your own little bubble to escape from the stress and pressures of the world no matter what is happening. You should never feel as though you or your family are unsafe in your own home. Which makes it all the more horrible when something does happen to disrupt that safety. Whether it’s a flood, fire or break-in, anything that makes you feel less safe in your own home can have devastating effects on you and your family. Fortunately, there are plenty of things that you can do to keep your home as safe as possible.
It might sound overly simple, but lights can be one of the best possible defenses against an intruder. Darkness is an intruder’s number one ally. If they have a way to slip into your home undetected, then that’s what they’re going to use. The best thing that you can do is to invest in floodlights for both the front and rear of your home. Not only do they keep your children safe as they ensure you can always seem them, even if they’re in the garden at night, it stops intruders having anywhere to hide. Go to Strictly LED’s for more information; they have a huge stock of LED flood lights to choose from.
The funny thing about an alarm system is that, if you’re lucky, you’ll never really need it. But nothing is better for giving you and your family the peace of mind that you need than the knowledge that no one is able to get into your home without you knowing. The worst thing about a break-in is often the knowledge that someone else was in your home and you didn’t know it; an alarm system helps you avoid that feeling and will make it far easier to get a good night’s sleep.
If something awful does happen, it’s important to make sure that you’re protected. Not only do you need home insurance but it’s a good idea to take out contents insurance as well. Make sure that you’re covered no matter what happens to your home. The last thing you want is for something to happen and then to find out that you’re not covered.
The most important thing to keep safe in your home is, of course, your family. The best way that you can ensure that they are safe is to have clear plans in the event of any problems. Make sure that you all know exactly what to do in the event of a fire or flood. That way you won’t have to worry about everyone panicking and making the situation even worse than it needs to be. This doesn’t mean you should make your family constantly afraid but it’s always better to be prepared than to be caught unawares.
Buying a home sounds like a dream doesn’t it? Until you realize that what you’re actually taking on is a whole lot of extra bills and costs that you might not have been prepared for. If you’ve been renting for a long time, the costs that come with owning a home and not just purchasing it can be overwhelming. It’s important that you understand how to deal with these costs effectively without ending up in more trouble. Many people do find themselves pushed into debt as they struggle with higher costs than they initially expected. So, before we get into how to deal with them, let’s think about some of the costs that you might need to handle.
First, there’s maintenance and if you’ve been renting you’ll be used to your landlord coughing up the bill. Maintenance and repairs can be quite expensive too. Just look at your boiler. If that breaks down a repair could take thousands out of your pocket. Thousands that you, might not have readily available to spend. Issues with maintenance can be due to age or even weather. We’re in the middle of winter right now, and you can bet there are at least a few storms around the corner to deal with. You could have problems with flooding, roof damage, and even garden destruction. All these issues are going to be expensive to fix, and they’re not the only problem.
You might also find that your home bills grow out of control. Again, it’s easy to keep these costs under your thumb in a one bedroom apartment. But when you move to a four bedroom home things are a little different. The heating bill, the water, the electric all quickly rise and leave you with very little money to spend at the end of the month.
Finally, there’s the mortgage. Most people buy to escape dead money. While a mortgage isn’t dead money it can certainly feel like it. Particularly when more is coming out of your account, then it did when you were living in a rented property. You might have been paying five hundred in rent and now you’re paying close to a thousand in monthly mortgage repayments. Now, you are paying off the house that you own, but it can still feel rather unsettling. Particularly, when it’s put pressure on your finances. So, how can you cope with these issues?
When you buy a home, it’s important that you live on a budget and don’t overspend in silly areas. You never know when you might need your savings. So, don’t spend it all on an expensive holiday if it means you’re going to have nothing left for emergencies. You might think well, I only need that if something goes wrong. I promise you, as soon as you think that it well. It’s best to keep this money in a high-interest account too. That way, you can make sure it builds up to a level where you’ll always have a little cash you can rely on.
Desperate times call for desperate measures. If you reach the end of the month and your bills are too much to bare it is worth looking into borrowing. By borrowing, you can keep things simple and protect your credit score as well as keeping those mortgage repayments up to date. This is worth doing because it will save you any hassle further down the line. Don’t forget, your mortgage company can make things difficult if you fall behind on your payment schedule.
However, there are a few things you need to know before using short term funds. First, you need to think about the interest rate. Make sure that you can pay any money you borrow back on time without any issues. Then there’s the company that you borrow from. They need to be reputable and make sure that there are no hidden bills. You’d be amazed how many companies manage to slip these into their lending contracts. Finally, if you think the interest rate or amount you’ve been charged is too high, you do have rights. Though, if you choose a good, trustworthy business, should never need to go down that road.
If your bills are looking quite expensive, it’s time to think about how you can cut them down. One of the ways to do this is by looking at your water usage. If you love long showers or running a bath each day, think about how much this is costing you. Remember, a few little changes to your bathroom will work a treat. You can get a low-pressure pump for your shower. This will limit how much water is released when you have a shower. Don’t worry, there’ll still be enough to get clean but not enough that it feels too pleasant. You’ll be in and out in ten minutes flat and save a fortune on your water bill. There are other silly ways people waste water too like running the tap while brushing your teeth. This water isn’t doing anything so don’t make that mistake.
For electricity it’s all about your tech and appliances. You need to make sure you are using green tech in the home. By doing this, you’ll soon see your electric bill drain away. You can even think about making larger changes such as solar energy. But honestly, you’ll see the impact even if you just change the bulbs in your home to LEDs.
For heating, you need to try and keep warm without burning up your thermostat. The best way to do that is to wear extra layers and trap heat as much as possible. Close the doors and shut the curtains, you’ll be amazed by the difference it makes. You won’t have to turn the heating up because it will be warm enough already.
Remember, unless you’re over sixty there’s no reason to have the heating on at all. Except in the coldest weeks of winter.
I hope this advice helps you deal with those expensive home costs. Use it, and you won’t be looking at your bank balance in despair at the end of each month.
Building your own home is the ultimate domestic fantasy for many Americans. Being able to design it from the bottom up, so it fits your style, your ethos, and your specifications is an extremely attractive prospect. But, as you might imagine, it doesn’t come without its own difficulties. From the costs of materials and labor, to time and emotional effort, there’s a lot to consider before you take the plunge. If you share the dream of building your own home, make sure you ask yourselves these questions before you dive in head first.
Can we afford it?
At first glance, building a home from scratch appears cheaper than a ready-made home. Unfortunately, this figure doesn’t often take into account reality. When delays in the build happen then labor costs increase as a result, and it’s often the case that once the builders get on the site, people realize there is more to be done to prepare the land than previously anticipated. While there are ways to keep the costs down, make sure you can afford the initial quote or have your loan secured, with a fair amount extra for wiggle room too.
Are we patient enough?
The process can be long, drawn out, and stressful. If you want a new home as a quick fix, this probably isn’t the right way to go about it. Even beautiful modular homes built off-site can take a few months before they’re erected and completed. You’ve got to be a patient person with the ability to deal with stress to be able to enjoy the process.
What are your needs, goals, and desires from the house? Does every invested party, including the kids, agree on the end product? Write a list of everything you want from you home, all the way down to the types of door fittings, and spend some time categorizing as “want” and “need”. Don’t allow yourself to compromise on something you need, because you could end up regretting it years down the line.
Can we withstand the pressure?
A project of this magnitude can put immense amounts of pressure on couples and families, so it’s important that you ensure you’re all in the right frame of mind, and that your lifestyle is stable enough, before you take on the commitment. The last thing anyone wants is for the stress of the endeavor to put undue pressure on your marriage.
Who will do it?
Do you have a builder in mind to undertake the project? Will you opt for prefabricated, modular homes which are built off-site, or would you prefer a full construction team on-site every day? Remember to factor this into your costings. Choosing the right builder could make or break this construction, so don’t take the decision lightly.
Designing and building your own home to your personal specifications can be hugely rewarding when it’s done right. There is no room for error, though, so make sure you’ve got everything in line before taking the plunge.