Keystart kit for home owners

young family at home

Now you are a homeowner you’ll have a lot of different priorities. In addition to paying your home loan payments, you’ll have a few extra expenses too.

But it’s not all about the bills – are you enjoying having your own space? We’ve prepared a few budget friendly tips to make your house your home.

DIY action

All homes need maintenance – even brand new builds. Why not build up your skills and pick up the tools yourself! There are some jobs best left to the professionals, electricity and plumbing to name a couple, but painting and clearing your gutters might be best kept in house.

Interior design on a budget

Get seven tips for styling your home on a budget from our guest interior designer. 

Break down your shire rates

Did you know there are over 150 councils or shires around WA? Each shire calculates rates differently – and slightly different facilities and services. Council rates cover your local area costs and services like park maintenance, rubbish collection and recycling, street lighting, community facilities and events.

To help rate payers manage rate payments, most council have instalment plans. Some councils are now offering a weekly or fortnightly payment plan. The City of Cockburn, for example, offer SmartRates with 26 or 43 smaller payments to smooth out the cost over the year. Contact your shire to see what payment plans are available to you.

Simplify your utility costs

In fact, most utilities (power, gas, telephone) allow you to pay via smaller monthly instalments, making your bills easier to manage and budget for. Contact your providers to see what they can offer.

Any leaking taps? Make sure you’re not using more water than you should

One new bill if you haven’t been a home owner before is the Water Corporation’s water rates. Water rates are based on your access to water at your home. You will then be billed for the amount of water you actually use. Reduce your water usage to lessen the impact of this utility bill. A dripping tap can waste up to 10,000 litres of water a year! Water Corp have a wealth of resources on their website – including a household water usage calculator.

Minimise your weekend workload - Waterwise your garden

Have you worked out a landscape or garden design for your home yet? Give serious consideration to using waterwise plants. Not only do they need less water, they usually require less maintenance and still provide a unique oasis in your front or back garden.

You can start planning with the Water Corporation's Waterwise plant search for your suburb 

Protect your biggest asset

We have probably already asked you this – but is your home fully insured? We require all our clients to have building (also called home) insurance. This is for your protection. Your home is no doubt your biggest asset and you need to ensure you are covered for the unforeseeable. You may find it useful to read our blog post on One critical cost for homeowners to get up to speed on why home insurance is so important.