Cost-Effective Homeownership Toolkit (Save Money, Protect Your Investment) Excel Workbook
Owning a home doesn’t have to drain your bank account. This toolkit helps first-time buyers and experienced homeowners track their costs, plan upgrades, and stay ahead of maintenance — all in one place.
✅ Pre-built budget formulas
✅ Seasonal maintenance checklists
✅ Tax & equity tracking tools
✅ DIY-friendly repair planning
Perfect for homeowners who want to protect their biggest investment without hiring a financial advisor or property manager.
Dashboard (auto-updates) Mortgage & Escrow (PMT formula + escrow + total) Utilities (monthly total) Maintenance Forecast (monthly & annual reserves) DTI Calculator (pulls mortgage total and computes ratio) Repair vs Replace Matrix (rule-based decision) Quarterly Maintenance Checklist (dropdown statuses) Home Value & Equity (latest value + equity) Emergency Fund Estimator (pulls housing cost, builds target) Insurance & Warranty Log (monthly total) Energy Efficiency & ROI (payback + total savings) Tax Deduction Tracker (YTD total) ReadMe (quick start tips)