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When I bought my very first house in 2017 there were a lot of things I’d never had to think about before. A fricking great DEBT for a start obviously, that I won’t pay off until I’m about 143, but smaller things too.
Like the ROOF. When you live in a rented house, you never have to worry about the roof. It’s just sort of there, covering you, and if anything goes wrong with it then it’s someone else’s problem. Ditto the plumbing, wiring, sewerage, radiators – basically ALL OF THE THINGS.
Being very sensible and nearly 40 at the time, I realised that you probably can’t take the ‘satsuma on the dashboard‘ approach to owning a house, like I do with owning a car. I would need to think carefully about grown up things like insurance, having the number of a good electrician and where to put the gin cabinet.
I’ve always been a big believer in only insuring against things you couldn’t otherwise afford to pay for. Obviously there is stuff you HAVE to have, like buildings insurance, but I’ve never spent money on extended warranties for electrical appliances, or cancelling train tickets or anything like that, because I could afford the hit if I absolutely had to.
In my new house though I decided that there were some things that, having used all of my savings for my deposit, I wouldn’t be able to afford to pay for should anything go wrong.
For example, I now have pet insurance*, because I really never want to have to spend thousands of pounds on a teeny cat leg plaster cast. The boiler and central heating system also fell into this category.
Apart from anything else, I wouldn’t actually know what to DO, in a first response sort of a way, if the boiler broke down – who do you even call? How much is the call out fee? How does ADULTING WORK??
*takes deep breaths*
Besides, I’m a very big fan of being warm – I definitely didn’t want my boiler out of action. View Post