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First-time homebuyers are sometimes caught off guard by overlooked expenses, which can create an uncomfortable financial pinch. Be sure you consider these one-time and ongoing expenses.
1. Home Inspection
For a few hundred dollars, an inspection can uncover potential trouble such as structural problems or asbestos.
2. Home Maintenance
Experts recommend setting aside 1 to 3%* of the home’s purchase price for annual maintenance. For example, you may need to buy lawn care equipment or replace the roof, furnace, or water heater.
3. Taxes And Insurance
Property taxes and homeowners insurance aren’t always included in mortgage payment calculators.
4. Extra Cash At Closing
Your lender should give you a detailed estimate of closing costs. But beyond those, you may have to pay additional expenses, such as a prorated portion of property taxes or homeowners association fees that the seller has already paid.
5. The Move
Whether you hire professional movers for a few thousand dollars or rent a truck, buy boxes and recruit friends to help, moving costs money.
6. Settling In
You may have to pay utility connection fees when you move in, plus utility costs may be higher than you were used to as a renter. Other costs include lock replacements and decorating expenses.
WESTFORD – Antique colonial with 3 stall horse barn & a 2 car garage!
Sold for $386,000
How Much is your home worth in today’s market?
39 Pequot St, Billerica
An outdoor enthusiasts dream location!! This well maintained 3 bdrm colonial abuts the conservation land of the Vietnam Veterans Park which offers an abundance of trails, you can also launch your canoe or kayak directly across the street or just relax on your front porch admiring the views of Winning Pond!! The open floor plan is ideal for entertaining! Eat in kitchen with pantry, formal dining room open to the large living room and a little nook for an office! Hardwood floors are through out the 1st floor & 2nd floor hallway. Upstairs offers 3 generous sized bedrooms, full bath and pull down attic access. Basement is partially finished and great potential for additional space! Easy to maintained fenced yard with oversized deck that overlooks the conservation land where you can catch many of mother natures little furry friends!
More Details and Pictures
Heating costs rise year after year, leaving homeowners with growing concerns over how they’re going to make it affordable to keep their home warm during the winter months.
Solutions to this issue range from long-term investments to quick fixes that will help you save in the short term. If you’re renting an apartment or plan on moving soon, you might be better off focusing on low-cost, short-term fixes while you shop for a home that is more energy-efficient.
In this article, we’ll cover both types of solutions so you can start saving money and fearing the heating bill each month.
Read on for the list of the most cost-effective ways to save on heating your house this winter.
Make sure your doors are sealed properly
A lot of heat can be lost from a door that has worn and outdated weatherstripping. Replacing it will help reduce heat loss for years to come.
Another common issue is heat being lost from door thresholds. To find out if your threshold needs to be adjusted, look for a space in between the bottom of the door and the threshold. It’s often easiest to see this at night if there’s a light on the other side of the door.
Many door thresholds can be adjusted by tightening and loosening a screw. However, if you’re renting and don’t want to make any big changes to the doors without your landlord’s permission, a good quick fix is to use something called a draft guard. This is essentially a roll of fabric that rests against the bottom of the door and blocks cold air from entering the house.
Plan heating around your schedule
With a programmable thermostat, you can decide when it matters most to you to heat the home. For homeowners who are at work from 9-5, it might not be necessary to heat an empty home for the whole day.
Similarly, you can save quite a bit of money by lowering your thermostat by 5 degrees during the night time while you’re asleep.
If you work from home, you might want to keep the house warm during the day so you can focus on your work rather than how cold your toes are! However, you also have the advantage of being home to take advantage of solar heat.
Opening shades and blinds that are receiving direct sunlight and closing those that aren’t is a great way to raise the temperature in your home by a few degrees on sunny days.
Seal cracks and holes
Most homes lose a significant amount of heat to small cracks around window frames, electrical units, and other vulnerable areas around the home. Sealing up these cracks and holes can save you a substantial amount of money, especially if you live in an older home that has seen a lot of wear and tear.
Heat only the rooms you need
There’s no need to heat every room in your house during the colder months. Keeping bedroom and bathroom doors shut and using a small space heater in the room you’re occupying is a great way to reduce your heating bill.