Winter-Proofing Your Home and Budget
The changing of the seasons is a great time to perform a walk-through of your home and catch up on maintenance. Regular home upkeep isn’t just about curb appeal—it’s essential for home comfort and safety and can save you money in the long run! A small roof leak, for example, can lead to significant damage and expense if left unchecked, but it can often be a simple and inexpensive fix if you catch it early.
The best way to prevent problems down the road is to check all areas of your home on a regular basis and act promptly when you spot something that needs work. Correcting issues now is much easier than making repairs during the cold winter months!
Fall Home Maintenance Checklist:
- Close crawl space vents
- Check chimney for deteriorated chimney cap and loose or missing mortar
- Check roof for damage and leaks
- Check weather-stripping around windows and doors
- Cut back shrubbery and tree limbs near the house or over the roof
- Check gutters and downspouts; clean them and make sure water is directed away from the foundation
- Windows: repair broken glass or damaged screens, lubricate window hardware, check glazing putty and replace if needed
- Check and repair caulking around doors, windows, and other openings
- Drain exterior water lines, hose bibs, sprinklers, and pool equipment
- Change or clean furnace filters and have your furnace serviced if needed
- Check pipes for any leaks
Financial Prep
From repairing or replacing your heating system to fixing storm damage, winter can bring surprise expenses for homeowners. Even normal costs, like heating your home more, can impact your budget. While you can’t always avoid these expenses, planning ahead can help soften the blow.
As you work through your maintenance checklist, consider adding money to your home emergency fund. Budgeting for this every month increases your savings—and your peace of mind—so you’ll be better equipped to handle unexpected expenses when they arise. If major repairs like a new roof or HVAC system are needed, a Home Improvement Loan or Refinance could help cover these costs. For additional tips on planning for the unexpected, check out our Cushion for the Unexpected blog.