Home · 45 minutes for the paper plan; arrange any physical checks separately. · always free

New Home Kit

Map household essentials, check ownership costs, and create a maintenance routine from actual manuals.

You’ll make: A home information map, ownership budget, service-contact record and maintenance calendar.

Before you begin

New homeowners, people taking over household responsibilities, and learners using a fictional home.

Take it one step at a time

  1. Create a home information map

    Useful information is easier to find before a problem happens.

    • List the labels of water, electrical and other relevant service controls using existing labels, manuals or qualified guidance; do not operate unfamiliar equipment for this exercise.
    • Record where manuals, warranty information, insurance documents and repair history are stored, without copying account numbers into the worksheet.
    • Identify the utility reporting route, property manager if any and qualified repair contacts you would verify before hiring.
    • Review the household escape plan and accessible exits with the people who live there.

    Check: Someone with permission could find the right document or contact without the worksheet exposing sensitive details.

  2. Check the ownership budget

    Quoted mortgage payments may include some costs and omit others.

    • Separate principal/interest, taxes, insurance, association fees, utilities and a chosen repair allowance.
    • Check whether taxes and insurance are paid through escrow inside the quoted payment. Add each cost once.
    • List closing, moving or initial setup cash separately from ongoing costs; use actual written quotes when available.
    • Test an expense increase and write how you would revise the plan without assuming a future house-price increase.

    Check: Every recurring cost appears once, and the plan explains what is included in escrow.

  3. Schedule safe maintenance

    A property-specific calendar is more useful than a generic repair promise.

    • Choose three routine tasks from actual manufacturer or building instructions, such as checking an alarm, observing a visible leak or following a filter-replacement instruction.
    • For each task, write the recommended interval, responsible person, instruction source and next review date.
    • Mark electrical, gas, structural, roof or unfamiliar equipment work for qualified help rather than assigning it as beginner DIY.
    • Create a repair log with the observed issue, date, reported contact and follow-up; use observation rather than an invented diagnosis.

    Check: Each task has a source and owner, and hazardous work is clearly assigned to qualified help.

  4. Review the first month

    A new routine should change when real information arrives.

    • Compare the first utility bills with your estimates and correct the budget.
    • Check which document and service-contact entries are still missing.
    • Confirm maintenance appointments and keep written scopes, quotes and receipts privately.
    • Choose the next review date and one manageable improvement, such as locating a missing manual.

    Check: The revised plan identifies one completed action, one open question and the next review date.

Your ready-to-use checklist

Checks are temporary and are not saved to your account. Download your current checklist before leaving or reloading. The kit ZIP contains the original blank checklist.

0 of 10 checked

Download the kit template

Your checklist download is a text file with your current checked and unchecked items. You can add notes in your own app. It does not save an account record.

Fictional practice case · USD

A fictional ownership budget without escrow double counting

Casey is comparing ongoing costs for a practice home. The lender quote lists $1,200 principal/interest and a separate $270 escrow estimate.

Edits are temporary and are not saved to your account. Download your current budget before leaving or reloading. The kit ZIP and supplied-budget link contain the original example.

One-time costs $0.00

Monthly costs $1,780.00

Monthly amount left $420.00

This comparison covers only the listed costs. Add any omitted commitments in your downloaded worksheet.

Supplied example reasoning: Available is a fictional $2,200 monthly housing allowance. Total planned housing cost is $1,780, leaving $420 in that allowance. Taxes plus insurance equal the $270 escrow estimate; adding that estimate again would incorrectly produce $2,050. A $60 utility increase changes the correct total to $1,840 and the balance to $360. A repair allowance is a planning choice, not a guarantee it will cover actual repairs.

Download the supplied budget

One-time costs need separate upfront funds; they are not subtracted from the monthly amount. Use fictional numbers here. Your budget download includes current inputs and separate period totals. CSV totals are a snapshot, with no formulas; recalculate them after editing and add only rows labeled cost, never the allowance or summary rows.

Write your next-step plan

Use the worksheet in the kit, or a notebook. Fictional answers are enough for practice.

  1. Which three home documents or manuals must be easy to find?
  2. Where can an authorized person locate them without this worksheet containing credentials?
  3. Which quoted payment components are already included in escrow?
  4. What are the recurring ownership-cost estimates and their sources?
  5. Which three safe maintenance tasks have manufacturer or building instructions?
  6. Who should handle an unfamiliar or hazardous task?
  7. What will you review after the first month?

Keep learning in the Course Library

These courses are for learners ages 14 and older. Open a course to check its preparation and project requirements.

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Learn Basic Home Maintenance & DIY

A home map, shutoff plan, tool kit, seasonal schedule, completed safe repair, contractor brief, and maintenance record.

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Personal Safety & Emergency Basics

A household emergency plan, tailored stay and go supplies, contact and document system, hazard cards, and completed practice drill.

Sources and scope

Use this as a planning guide, not inspection certification or instructions to work on electrical, gas, structural or other hazardous systems. Follow actual manufacturer instructions, local requirements and qualified advice. No fixed repair percentage guarantees adequate savings. The fictional housing allowance excludes other household expenses and does not establish overall affordability.

LifeStarter’s guide and fictional examples are original. External resources keep their publishers’ terms.