{"id":10000560,"date":"2021-11-09T09:25:33","date_gmt":"2021-11-09T09:25:33","guid":{"rendered":"https:\/\/www.maggwire.com\/?p=10000560"},"modified":"2022-09-12T23:33:13","modified_gmt":"2022-09-12T23:33:13","slug":"how-to-budget-for-your-first-years-as-a-homeowner","status":"publish","type":"post","link":"https:\/\/www.maggwire.com\/how-to-budget-for-your-first-years-as-a-homeowner\/","title":{"rendered":"How To Budget For Your First Years As A Homeowner"},"content":{"rendered":"\n<p>The feeling of holding the keys to your first property is unlike any other. It is an important milestone in any person\u2019s life and the culmination of years of hard work and determination. What many people don\u2019t consider is what they will do once they move into their dream home. It is essential to be prepared for the new costs of owning a home and take steps to guard against financial difficulties.&nbsp;<\/p>\n\n\n\n<p>In addition to a healthy savings account, you will need appropriate insurance, a grasp of the costs involved in running a house, and an understanding of home maintenance. This article will explore the best ways to budget for your first years as a homeowner.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Reconsider Your Budget&nbsp;<\/h2>\n\n\n\n<p>Make a new budget as soon as you move into your new property. Consider the difference in size compared to previous housing, factor in your mortgage, and determine what additional costs are present.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Save For Maintenance And Repairs&nbsp;<\/h2>\n\n\n\n<p>Build an emergency fund for repairs and maintenance. Save as much as possible so that any unexpected expenses don\u2019t hit your financials too hard. Consider saving at least&nbsp;<a target=\"_blank\" href=\"https:\/\/www.amfam.com\/resources\/articles\/at-home\/average-home-maintenance-costs\" rel=\"noreferrer noopener\"><u>1% of your property\u2019s value<\/u><\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Look Into Your Insurance Options&nbsp;<\/h2>\n\n\n\n<p>Take out homeowner\u2019s insurance to protect your belongings. Consider life insurance to help your family financially in the event of your passing. Income protection insurance can be invaluable if you become unable to work due to injury or accident.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Regularly Review Your Budget&nbsp;<\/h2>\n\n\n\n<p>Review your budget each quarter. Factor in any changes to your household income, additional bills, and changes to your family, such as a new baby.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Know How Much Your Monthly Mortgage Payments Are&nbsp;<\/h2>\n\n\n\n<p>Work out exactly how much your mortgage payments are. This is known as the amortization of your mortgage. Use an online&nbsp;<a target=\"_blank\" href=\"https:\/\/heroloan.com\/amortization-calculator\/\" rel=\"noreferrer noopener\"><u>amortization calculator<\/u><\/a>&nbsp;to work out how much you will pay in interest. Consider refinancing to reduce the amount of interest you\u2019ll pay over the years. Use a reputable company like Hero Loan, which provides mortgages to veterans, when refinancing your home.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pay Down Your Other Debts<\/h2>\n\n\n\n<p>Keeping your other debts low will enable you to save more. You should pay off high-interest debts like credit cards and loans as soon as possible. Talk to your creditors to renegotiate repayment terms and <a href=\"https:\/\/www.purefy.com\/learn\/11-tips-how-to-lower-student-loan-payment\" target=\"_blank\" rel=\"noreferrer noopener\">reduce student loan payments<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do Repairs And Renovations Yourself&nbsp;<\/h2>\n\n\n\n<p>Learn about house maintenance and do minor repairs yourself. Know what you shouldn\u2019t attempt without professional experiences, such as electrical or plumbing work. Take some courses in home maintenance or use video resources online.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider The Future&nbsp;<\/h2>\n\n\n\n<p>Start saving for future milestones such as the birth of a child, a wedding, or retirement. Know what you want for the future to save appropriately.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Find Ways To Cut Costs&nbsp;<\/h2>\n\n\n\n<p>Reduce your monthly outgoings by shopping around for the best deals. Look for welcome offers from utility providers. Read the fine print to ensure the deal is worthwhile. Switch from branded to generic groceries. Give yourself a cool-off period before making any unusual purchases to avoid&nbsp;<a target=\"_blank\" href=\"https:\/\/talkbusiness.net\/2021\/05\/americans-continue-impulse-spending-services-spending-expected-to-rise\/\" rel=\"noreferrer noopener\"><u>impulse spending<\/u><\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Earn Extra Money On The Side&nbsp;<\/h2>\n\n\n\n<p>Consider taking on a second part-time job to supplement your household income. If you have specialist skills, consider going freelance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The feeling of holding the keys to your first property is unlike any other. It is an important milestone in any person\u2019s life and the culmination of years of hard work and determination. What many people don\u2019t consider is what they will do once they move into their dream home. It is essential to be prepared for the new costs of owning a home and take steps to guard against financial difficulties.&nbsp; In addition to a healthy savings account, you [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":4955,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Budget For Your First Years As A Homeowner - Maggwire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.maggwire.com\/how-to-budget-for-your-first-years-as-a-homeowner\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Budget For Your First Years As A Homeowner - Maggwire\" \/>\n<meta property=\"og:description\" content=\"The feeling of holding the keys to your first property is unlike any other. It is an important milestone in any person\u2019s life and the culmination of years of hard work and determination. What many people don\u2019t consider is what they will do once they move into their dream home. 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