Every drop of water, crack, ant, royally freaks me out at this point. I can’t afford to rent. I own a shitty house that is a fixer upper. So frustrating.
You get used to being house poor. You learn how to budget how much it really costs you to live.
It beats paying someone else’s bills. That’s for sure
When you think things are bleak as far as repairs/maintenance, look to local lenders in your community. Unless you made a significant down payment they probably sold your mortgage to Freddie but they still can give you loans on your home equity especially if going to pay for things that are going to put more equity in your home.
I know it is cheesy, but look at every maintenance project as an opportunity for learning a new DIY skill.
Start going to garage sales and flea markets to collect tools.
It helps if you can chitchat with someone IRL about mutual homeowner issues.
Homeownership is man’s continuous battle against water.
Sorry no. My condo is massively in need of renovation and I was saving and planning for it before I lost my job so luckily that ended up being a thing to get me through it.
So many people who are mentally and cognitively bankrupt own houses. They never do any maintenance on them, or if they do, they never do it right. And yet, their houses aren’t (always) falling apart.
Houses are more sturdy than our anxieties convince us. Fix things little by little as they come, prioritize what comes first. Your house won’t fall apart or blow up. This is what I tell my wife when she gets nervous about something creaking.
Drop of water depends on where the water is. Watch online videos to diagnose problems, it’s the opposite of doing this for personal health. People have some crazy cheap ways to address issues.
Crack, draw a line parallel to the crack on each side. Measure it and it on the wall. Check back and see if the measurement is changing. Patch it if it’s stable. If it’s not stable, probably not good news, start with videos of what others have done.
Ants are the easiest. There are barrier sprays that will keep out any insects. Fall instructions on the product but typically just spray it on the outside of the foundation once a year.
Houses are over engineers to stay standing up so don’t worry too much. The expensive stuff will come around ever couple decades like roof replacement so plan for that but most everything can be remediated with little effort, especially if you don’t care how it looks. You said it’s a fixer up, each patch is just another layer to its character.
Bought cheap and underestimated the effort needed to make it your ideal. At least that’s my experience. It can get overwhelming at times but I find a certain peace I’m taking it as the demon you know. I get a lot of bugs in the spring when the weather starts to warm and it’s damn annoying, but know that when the weather gets more stable they’ll leave and I can get back to normal. It’s sort of a zen thing to recognize that it’s almost 100 years old, so yeah, there are going to be some annoyances, can’t call it unexpected.
Basically just make it your own, and do what you can when you can. Unless you’re rich and have all the resources/time in the world there’s no point in getting in a panic that it can’t all be done at once.
Remember this is a marathon and not a sprint. So think in long terms for fixing things. Even if you sell the house having something done correctly will increase the value. Fix something and maintain as best as possible to keep it working or as high value. This feels best if you do it room by room so you can enjoy the things you fixed.
Learn/Improve your DIY skills, most things that need fixing around the house are actually pretty simple to do yourself
This 100% also most general contractors are just scam artists that will do a very shit job or make the thing worse.
It beats having a landlord.
This is it for me. There are a lot of things that aren’t awesome about owning and maintaining a house, but not dealing with a smug, PITA landlord every month is absolutely worth it to me.
I don’t see enough people mentioning this, but preventative maintenance can save you a lot of money.
Another thing I would recommend is to be familiar with the systems in your house, what fuel does your furnace use? What type of water heater do you have? how old are the fuses in the fuse box? Does your electrical panel have a surge protector? Do you have a water pump should your basement begin to flood? Do you have a generator panel? Knowing how these work can save you money on trouble shooting.
For example, if you live in an area with lots of squirrels, it might be worth putting up chicken wire on any entrance to the attic from the outdoors. Ex: air vents. If I would have done this, I would have saved $900 from chewed wires that could have started a fire.
Learn how to fix things in your house and it will give you the confidence to stop worrying about every little thing or sound.
Plus I find it’s so damn satisfying when you fix something, truly one of the greatest dopamine hits available
I had a shitty house and it is so stressful. Just do things as you can. #1 was metal roof so I didn’t have to think about the roof ever again. Get tented for dry wood termites after paying off the roof (they are everywhere here but very slow eaters). Get flooring one room at a time. Learn enough plumbing to replace fixtures, and get new piping throughout house after recovering.
My only real tip is get roommates, split these costs among more wage earners or if you know someone handy and homeless let them live with you for free and pay them a little for the work too.
Invest in basic tools and have good relations with local repair persons, try to learn from them too as they fix stuffs. Hands on expertise is more helpful than theoretical how to knowledge. Also invest time in designing fail safe insect and paste management and plumbing. Bit of initial work usually pays off later.
I remember going from being super excited that I owned the walls and fixtures around me to then realising I owned the walls and fixtures and no-one else was going to fix them. Not everything needs doing now though, so separate the issues into things you can live with, mid-term renovations and now things.
Oh, and always remember you’re not paying off someone else’s mortgage anymore!
That’s how i deal with it.
It’s not causing more damage, it can wait.
It’s not someone else who’s benefiting from my hard earned money
Do a task everyday.
Making sure to keep working on a fixer-upper by doing something everyday will help reach the goal of maintaining rather than falling behind. Focus on things that can get worse faster. Leaks and shorts would be a top priority that should not wait. KNOW HOW TO TURN OFF MAIN WATER AND POWER. Make sure this can be done quickly.
