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Posts Tagged ‘home improvements’

Homeowners cutting back on home improvements

Thursday, June 16th, 2011

A recent online survey of homeowners has revealed that many are now actively looking for ways to save money, as the realisation that the drop in their standard of living is not going to be a temporary blip, starts to hit home.

Many homeowners delaying projects

The survey carried out by a company that deals with home insurance quotes showed that almost a third of those questioned in the survey said they were putting off maintenance projects that really should be done, while over 50% said they would consider doing jobs themselves if it meant they would be saving money.

It’s not only maintenance jobs that are being delayed, of those questioned 1 in 5 said they had delayed the fitting of a new kitchen, while 1 in 6 said they had put off the installation of a new bathroom.

Difference between cosmetic change and urgent repairs

Of course it makes sense to delay home improvements that are simply cosmetic makeovers. If the family budget is being stretched, there is no point in spending cash that has to be borrowed when you are not sure how you are going to pay it back. Either do the job yourself, you can literally save thousands of pounds doing this, or try and put up with a dowdy room until your financial position improves.

Putting off home repairs is somewhat different however. If heating radiators are in need of repair then it is best to find money for the job. The radiator may leak and damage carpets and flooring which then becomes altogether more expensive, and even if you are covered with home contents insurance the resulting claim will see your future premiums rise. A leaking roof or window can mean even more trouble.

Cancelling insurance could be playing with fire

The survey also revealed that 1 in 12 homeowners were actually thinking of not renewing or possibly delaying their home insurance policies in a bid to save money. It is a dangerous option! We take out insurance basically to cover for the unexpected, and unfortunately the unexpected always happens when we least expect it, you can almost guarantee that delaying renewing a policy will invite accidents to happen.

Legal obligation

Another thing for those considering such an option is to remember that if the home is mortgaged the lender will legally require you to have a buildings insurance policy in place.

Tags: Cutting Back on Home Improvements, DIY, home improvements, Home Insurance, Home Insurance Quotes
Posted in DIY | No Comments »

Lighting will increase the beauty of a garden

Tuesday, October 19th, 2010

There are a great many reasons why a household might want to use lights in the garden; one of the most popular reasons is to create both an interesting and stylish design. There are lots of different types of garden lighting and choosing the right one for the garden can be the most difficult part. It is most important to think about which type of light is wanted and where in the garden it is going to be put.

Having designer garden lights will provide an excellent focal point at night and they could also create some interesting shadows which will enhance the design. For this kind of lighting use spotlights or other types of lights that will illuminate a small garden. Making a focal point in the garden using lights normally works best when the lighting is kept to a relatively small area as this will draw attention to that location.

Garden path lighting will make it possible to see at night, they will also improve the appeal of any garden design. Some outside path lights will work really well if there is a curved path but straight paths will still achieve a good look. Make sure that the lights are bright enough for anyone walking along the path but not too bright that they are overwhelming the rest of the garden. Outdoor lighting is also a good security feature as it will deter thieves, but should not stop a homeowner from taking out household insurance.

If parties are often held, then use some backyard patio lighting. The style of lighting will depend on the overall style of the garden and how big the patio is. If it is a small patio then go for a small umbrella light, while a standalone light will be needed it the patio is larger. If some low voltage garden lights are used if will be possible to cut down on energy costs. LED garden lighting also tends to be a lot more energy efficient than most other types. If the garden or patio area gets lots of sunlight then consider going for solar garden lights which will have almost no running costs once they have been installed.

Everyone will have different ideas about what lighting to go for. Will it be electric which will require cables? Solar lighting that will charge via sunlight? Or even candle lights and oil lanterns? All three have their advantages and disadvantages. Electric will be more reliable but will mean cables, solar are cable free and environmentally friendly but will need sunlight in order to be charged and candle garden lights are fairly cheap but are not recommended if children or pets are around.

Tags: home improvements, Home Insurance, Home Security, lighting
Posted in Electricity, Home Insurance | No Comments »

Upgrade the bath and ease the aches and pains

Tuesday, October 12th, 2010

Whether it is after a hard day at the office, after a few hours working in the garden or maybe it is just a case of wanting some quiet time to relax. Nothing will ease stress and tension like a soak in a whirlpool bath. A whirlpool bath is a luxury in many master bathrooms. Most people will opt for a one-person, standard-jets tub in a shape that they like.

When the decision has been made to have a whirlpool bath the first job is to measure the space where the bath is going to be installed. Quite often this will be a space between two fixed walls. Unless the entire bathroom is being gutted, the space becomes the first factor in the choice. When measuring the space, take note of any existing plumbing, as this could be another limiting factor if the existing plumbing is going to be used.

Make a list of all the features that are wanted on the whirlpool bath. Place the most important at the top of the list and the ones that could be subject to compromise further down the list. The price can go up very quickly so it is best to work out a budget for the bath and remember that depending on the selection, there may be extra fixtures to mount to the walls or to the deck platform rather than the deck. Some will even have to be mounted to the ceiling; all of these will affect the price. Looking at the space available, work out where the access panel will be located, in case any maintenance work is needed on the whirlpool motors. This may mean that certain models will not be suitable.

Take the list of size, features, accessibility, and budget to a showroom and look for a whirlpool bath that best fits the criteria of what is wanted. If possible climb into a whirlpool bath to see how it fits. Each tub is different and while appearance is important, how a whirlpool bath feels is just as important. Also get a qualified trades-person to do the installing otherwise if it is done wrong and water escapes it will mean a big claim on the household insurance.

Spending as little as ten minutes in a relaxing whirlpool bath each day could make a huge difference to the aches and pains. It is possible to convert a bath into a hydro-spa with a conversion kit if installing a new whirlpool bath is not a realistic option. There are many of these kits on the market. The kits are best installed by an experienced technician who can install it into any existing bath, as long there is access to one side. A whirlpool bath will have simple and reliable controls that allow the user to bathe in complete safety and comfort. Everything needed is within reach and a constant temperature will allow the user to stay in the tub as long as is needed. Adjustable airflow also gives full control of jet intensity.

Because a whirlpool will re-circulate the water from within the bath it is very simple to every now and then add a specially formulated cleanser to a bath full of water and then re-circulate it through the entire system. These cleansers are widely available from a number of shops.

Tags: bathroom fittings, home improvements, Home Insurance
Posted in Contents Insurance | No Comments »

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