Mortgage Monday: Time To Keep It Simple

With all of the work being done on the house lately things have been rather complicated. So far, nothing has been as simple as it should be. Everything on our project list has had a few subsections added to it with the floors and the exterior doors being prime examples of this ongoing process. However, in the end, many of these things, all of these complications, are going to give us what we have been picturing in our minds as our ideal home. Further, many of the things that have been uncovered and a couple of the future projects have and will remove some of the complicated aspects of our home.

The best examples of this are the HVAC overhaul currently underway and the electrical overhaul that we have on the schedule. The old oil and electric system required a heck of a lot of copper pipe running across the basement and up the walls to supply the baseboard heating. The air conditioning, being an afterthought of the original homeowners, was something that was put in as inexpensively as possible leaving us with duct work running through bedroom closets and really not being very efficient. The boiler, oil tank, and all of the copper pipes are now gone, the duct work has been overhauled, and we have now simplified the two zone (the heating was originally on four zones) system running forced air for both heating and cooling.

This project is nearing completion but the electrical work has yet to be started. While a few steps have been taken to simplify this (i.e. old whole house fan has been removed) there is still a lot of work to be done with new matching fixtures being installed and a lot, and I mean a lot, of outlets and switches that are going to be removed (with a few simply being moved). This will eliminate the need for a lot of the wiring that is running throughout the house and will put things (or leave things) in place that actually make sense (i.e. I don’t need three separate switches for the kitchen lights).

It is definitely a process but, as I said before, it will simplify some of the basic aspects of our house. After all, I don’t like having excess pipes and wires running through the walls when they don’t need to be there. After that it should be much easier to maintain. So, we will have to deal with a little more complication before we can reach a point of simplicity. Well, at least until the next round of renovations and projects.

Mortgage Monday: Revising The Project List

My wife and I have continuously kept an informal project list of things that we would like to have done at the house. As I have written about before, some things are more pressing than others with the majority of these tasks being things that we want to do rather than things that need to be done. However, in the end, they are all projects that will transform this already wonderful home into a perfect one.  

Of course, we have to work within our budget so some things have been shifted around according to our finances. This has also impacted the overall timeline of the work we would like to get done at the house. That being said, as we have priced out some of the items on our list there have also been things shifted up or down accordingly. Lately, those prices that we have seen have allowed us to move things up in our timeline.

To review, here are the things that we have known for some time and which we had planned to address over the next few years:

• Installing office door
• Flooring (hardwood or laminate?)
• Minor electrical work (fixing existing issues)
• HVAC overhaul
• Replacing boiler with hot water tank
• Installing steel duct work
• Installing two HVAC units
• Installing underground tank for gas
• Side Deck
• Front Porch
• Repair / replace retaining wall
• Tree removal
• Installing chimney cap
• Repointing masonry
• Garage Door replacement
• Re-grading around the house

That was the basic list that we came up with shortly after we moved in and it remained relatively unchanged for a few months. Over time, we added a few more items:

Interior painting

• Replacing kitchen and bathroom hardware
• Replacing appliances starting with the washer and dryer
• Converting fireplace to gas
• Expanding bonus room upstairs and finishing

Now, the list has grown to include a few new items and some clarifications on the aforementioned ones as well. With the existing things that we knew from the beginning, previous additions, and a batch of new items, this new roster of projects now consists of the following:

• Installing French doors to my office
• Installing hardwood floors throughout
• Minor electrical work (fixing existing issues)
• HVAC overhaul
• Replacing boiler with hot water tank
• Installing steel duct work
• Installing two HVAC units
• Installing underground tank for gas
• Converting fireplace to gas
• Install gas or solar generator
• Installing composite side deck and front porch
• Repair / replace retaining wall
• Tree removal around property
• Installing chimney cap
• Re-pointing the patio
• Garage Door replacement
• Re-grading around the house
• Interior painting
• Replacing kitchen and bathroom hardware
• Replacing appliances starting with the washer and dryer
• Redirecting dryer vent
• Replacing refrigerator
• Expanding bonus room upstairs and finishing
• Replacing front, side, and patio doors
• Lighting fixtures in all bedrooms
• Replacing toilets
• Resealing basement walls
• Re-configuring landscaping (removal of flower beds)
• Replacing / adding outdoor lighting
• Replacing doors to garage with fire rated doors
• Replacing gutter guards
• Replacing blinds
• Installing new window treatments
• Replacing windows

What started as a relatively small collection of projects has grown rapidly into a long list of things that we would like to have done to the house. And while there are many more project than before, we are still hoping to get the majority of these things completed by the end of next summer. Some things will be quick while others will take weeks and some are things that we will get done eventually like replacing the windows. So, beginning this summer, things are going to be quite busy around the house but, slowly and while sticking to a specific budget, we will transform our home into one that we have only dreamed about in the past.   

Familiarize Yourself With A Nonalcoholic Screwdriver

It has always amazed me when I have come across people that don’t know how to use basic tools like a screwdriver or a hammer. Throughout my working life in particular, every once in a while I have had to fix various things especially at the office which remained in disrepair because no one knew how to fix them. I am not talking about major projects. I am talking about basic maintenance items such as wobbly desks and chairs to office doors sticking. Anyone who took basic wood shop would know how to fix these things.

Oh wait, that’s right, kids don’t take wood shop anymore.

People, in general, don’t know how to work with their hands anymore. It is too easy to call someone or replace something than invest some time and thought into how something can be fixed.  This is an issue that is only going to get worse over time as each succeeding generations learns less and less about how to complete small hands on projects around the home or, in this instance, office.

I find it relaxing to sit down with a project, tools in hand, and make something functional again. Sometimes it’s as simple as tightening a hinge or removing the wiggle from a chair while other times it could consist of assembling furniture or building a complete lower. Other times I have done some basic mechanical and refinishing work. By no means do I consider myself good at this but I can get the job done with adequate results.

However, I do know my limits. I do not mess with plumbing or electrical. Most of that kind of work is still beyond my basic knowledge at this point. For those projects I do call in a professional but I try to be there and observe what is being done in case there are minor things that I can pick up and deploy in a pinch.

This is something that everyone can do and should do as it provides you with a small amount of self reliance and know how that can’t be taken away from you. Too few people know the satisfaction that this can bring when you fix something with more than just duct tape. When you fix something in a way that lasts it is always a reminder of what you can do when you take the time and put your mind to something.

In the end, I think this all comes down to two things: a desire to learn and a willingness to work. We would all be better off if we could get more people to fix the things that break instead of just complaining on Facebook and asking for recommendations for a replacement. It really is that simple.

Take the time to educate yourself and start from the beginning if you need to. Basically, if you can’t differentiate between a flat head and Phillips head screwdriver just ask someone and start from there. There is no reason for your only exposure to a screwdriver having been at a bar.