While owning your home offers a much sought after freedom from the monthly demands of rent, it isnt always what its cracked up to be.
Granted, being a homeowner definitely saves money on the monthly, but if youve got a leaky roof to repair, windows to replace, or groaning pipes in the houseyoure looking at spending a LOT of dough.
Thankfully though, there are some amazing tips out there to save homeowners the big bucks when things go wrong. Here are 15 of the most useful ones.
House cleaners are pretty expensive these days, ranging anywhere from $5-$10 for the standard size bottles. Theres no need to buy a new cleaner for every item in your house.
First off, if youre only using them on one or two specific tasks, chemical cleaners will accumulate in your garage and under your sink and lose their effectiveness before you ever go to use it. Second, most commercial cleaning products are made of harsh chemicals that are full of toxins and bad for you and your loved ones to breathe in. You can avoid all of these problems by using vinegar!
Vinegar can replace over two-thirds of the cleaning products currently collecting dust in most homes. It is just as effective at cleaning and disinfecting, and perfectly fine for you to be inhaling while you work. Try Using it the next time you get a stain on your carpet. Just spray the area with vinegar, let sit, and then blot away like magic!
With all the mortgage discount programs and scams out there, its hard to know which one to go with. Fortunately, the government has decided to help with that by creating a program meant to save you serious money on your mortgage each year for real!
The program HARP, short for Home Affordable Refinance Plan, was initiated with the middle-class American in mind and can save the average client up to $4,264 each year on their mortgage. Thats up to $355 per month.
Could you use that extra cash? It takes less than one minute to see what type of savings you qualify for, for free. The program is only set to run through 2018, though, so take advantage now.
If youve run out of vinegar and you have a mess to tackle, you might be surprised to know that the answer is likely in your fridge.
Coca-Cola is incredibly acidic in nature (and should probably never have been marketed as a beverage for human consumption). The acid does a stand-up job of removing even the toughest of stains, including grease stains from fabric, toilet bowl stains, grout and tile stains, and permanent marker.
Not bad for a cheap can of cola!
While owning your own home can feel freeing, anyone who has had to pay for a major home repair knows just how quickly you can end up back in debt. House insurance is great, but only under very specific circumstances, and appliances, heating and cooling systems, and leaky roofs generally arent covered.
Unfortunately, these are some of the first major costs to arise for homeowners, and chances are they dont just have the money lying around to fork over to a repairman.
Thats where this amazing home warranty comes into play. Home appliance repairs, roof repairs, and electrical heaters are all completely covered under the warranty, making it the best deal around. Whats better, if the item or problem cant be repaired, they will just go ahead and replace it!
Rearranging your home can give it new life and keep things feeling fresh. Often times though, if your furniture has been sitting on your carpet or rug for any real length of time, it leaves an ugly imprint.
If youve been discouraged from changing things up in the furniture department due to unsightly carpet dents, you will be glad to know that you have the fix sitting in your freezer.
Simply place an ice cube over the dented fabric and let it melt. Once the carpet is wet, you can gently fluff it up with your fingers again for a fresh looking carpet.
**Even if you arent looking to rearrange, its a good idea to do this every now and again to prevent wear and tear on the area.
Being in debt can feel downright suffocating at times. You want to pay it off, but circumstances have changed and you no longer have the cash flow you once did.
Well, theres finally good news for folks owing $20,000 or more in collective debt, and it comes in the form of a program called Freedom Debt Relief. The program can reduce the overall amount of money you owe, and put you on a fast track plan to debt freedom in as little as two years.
One of the most dreaded household chores on the planet is that of cleaning the bathtub. Soap scum and day to day grime can build up fast and be tough to remove.
If you arent feeling the whole elbow grease thing, there is a much, much easier way to go about it; a drill.
A standard power drill with a foam polishing attachment will take the hard work right out of the equation when cleaning your tub and walls. If you dont have the attachment, you can easily pick one up from the auto store in the wax section. Trust us, youll never rely on elbow grease again.
One thing many people put off is getting under a good life insurance policy. It can be hard to justify spending money you could really use on covering the costs of your death. After all, you need that money to live.
Well, the good news is that there are a lot of really great policies out there that you can secure for an amazingly low monthly payment. Granted, it is still money out of your pocket, but its a minimal amount that could be the difference between your kids being able to inherit your hard earned belongings or turning over their own to cover your debt.
The first thing you will need to do is compare quotes, and thats where this crazy helpful website comes into play. It sends your information through their algorithm and scours the web for the best plans at the lowest cost, saving you up to 70% on your policy.
This hack will save you both time and money. Getting every streak of grease out of your microwave can be smelly, messy, and take the better part of your afternoon.
Instead of dealing with all that, hack your way to a beautifully clean microwave with some lemon and vinegar. Just quarter your lemon and cover with 1 1/4 cups of vinegar, then microwave for 4 or 5 minutes.
As the solution heats up, the steam will easily break down the grease and food buildup in your microwave, doing all the tough work for you. Then you simply wipe the mess away with a cloth, and the lemons will leave it smelling fresh and clean.
As the nation strives for energy efficiency, installing new windows is one of the first items on the road to efficiency bill. While modern windows can save you up to a whopping 40% on your bill, the cost of installing them can make you want to cry.
Fortunately, there are plenty of window manufacturers that offer great discounts each season, you just have to find one. Thats where Remodel Connection comes in.
Their website is free to use, and after entering in a few short bits of information, they will compile a list of the best deals and rates on new windows from top manufacturers, including Anderson, Champion, and Pella.
Over time, your toilet can develop unsightly stains and rings, especially if you have hard water. While you can purchase water softeners to prevent this problem in the future, it doesnt do anything for your unattractive toilet bowl right now.
If youve got a Kool-Aid packet sitting in your kitchen, then youve got your 10 solution. Just sprinkle a package of orange, lemon, or lime Kool-Aid (you want the kind with citric acid), into your toilet bowl before you go to sleep. Then, when you wake up just give it a quick scrub before going about your morning routine.
The stains will come right out and your toilet will look like new again.
More and more people these days are installing solar panels on their homes and outbuildings to meet their energy needs. By going solar you can drastically reduce your energy bill, or even erase it if you live in a particularly sunny area.
Why wait, then? What deters most people is the cost of installing new solar panels, which can cost thousands of dollars. What people dont realize, though, is that there are some truly amazing rebate programs out there for people willing to convert to solar power, with many rebates and subsidies collectively covering up to 99% of costs for converting.
This rebate program is known as Federal Residential Renewable Energy Tax Credit and works to put thousands of dollars back into the pockets of people in qualifying zip codes. See if your home qualifies here.
Lets face it, mattresses can get pretty disgusting in a very small amount of time. With the insane costs of a good mattress, its not really feasible to just toss the old and bring in the new, but paying for a deep cleaning makes just as little fiscal sense.
The good news is that you can deep clean your mattress on your own with products you already have to hand; baking soda and essential oils. Just fill a container with baking soda and add 4-5 drops of your favorite essential oil. This is where you can get creative with combinations, such as lavender for inducing sleep and cedarwood for its disinfecting propertiesthe possibilities are endless here.
Mix up your oils thoroughly into the baking soda and sprinkle all over your mattress, then let it sit for at least an hour before vacuuming. The fabric will shine like new and the essential oils will leave a nice, refreshing smell.
Its always a good idea to invest in your home by making improvements. What a lot of homeowners dont realize, though, is that all home improvements arent valued as equal.
While you probably could really use a new roof, your return on investment wont be anywhere near as high as, say, replacing your garage door.
The cost vs. value on any given home improvement project changes with every year, so its a good idea to know what investment will yield the highest value when you go to sell the place. You can see 2018s full value guide here.
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After learning about all the great ways to save money and increase your homes value, you might be ready to get started right away.
If the only thing standing in your way is coming up with a way to fund the project, you can finance your dream home by taking out a personal loan. You may qualify for as much as $35,000 in unsecured funds, meaning you dont have to use your house or car as collateral on the loan.
If youre interested in taking out a personal loan, but dont know who to go through to get the best rates, you can visit Pick A Lender. This website will compare loan rates based on your personal info for you for free, taking the headache of home lending completely out of the equation!