Christmas is here and most of you must be finishing off the preparations. However, the constant worries of something getting wrong lurks there. It is completely normal. Just verify your preparations before hosting the grand event. But if something goes wrong? What if the boiler or the oven fails to work? You need to have a plan in place.
Moreover, check every essential electrical appliance before operating. It will help you save on repairs. Even if you must get it checked, do it now. It would not cost much than it will on the very day. The blog lists other aspects that you must analyse before inviting the guests over. Moreover, the costs may surprise you!
Aspects to safeguard during Christmas and prevent money loss
Nobody wants to face gruesome circumstances on Christmas. They just want to relish the best moments with their family and friends. However, some accidents knock on the doors unprepared. You cannot stop them from happening.
You can certainly reduce the chances of one. What could be worse than adding another bill to falling finances? Here are some aspects to prepare ahead of Christmas. It is a must for every host, renter, or homeowner.
1) Check for your boiler’s health
The boiler is one of the most important appliances that you need in winter. Hence, it must work well to meet your requirements. Usually, it is better to get it serviced in October or November. The repairs get costly by December. Hire the best engineer qualified to analyse the functionality and improve it quickly.
Check whether your radiators need bleeding. For example, if the temperature varies from top-to-bottom. It could mean that the air trapped in the boiler might affect the functionality.
Also, check for unusual noises, smog, and black soot. Act immediately if you encounter any such issues. Otherwise, you may spend £450 on emergency repair. It usually takes only £120 for the same reason.
What’s the point of spending that much money? Get it checked now! However, if the boiler demands too many repairs, let it be. Buy a new one instead. You may still get one at an affordable price than after Christmas. You can get one for around £1500-£5000.
The costs may vary according to the boiler type, fuel type, installation complexities and size. If your overall costs exceed £3000, check savings. You may lack that much to finance the new boiler.
Don’t worry, check unsecured personal loans. It helps you finance the costs of the new boiler. This helps you avoid hazards and potential damage to other things.
You may also get unsecured loans with bad credit from a direct lender nearby. It is ideal if you have a long history of pending debts and loan defaults. It is better to act now than risking your health and other aspects. The ease of repayments and flexibility make it the best way to counter financial needs.
2) Check your home insurance cover
If you have not analysed your home insurance for over a year, do it now. Christmas is the most financially vulnerable time of the year. You don’t know where your penny goes. Moreover, you cannot track everything. However, protecting your personal and financial interests should be the top concern.
Generally, home insurance covers replacement or compensation for repairing and replacing the home contents under theft or fire hazards. It covers aspects like- furniture, personal items, electronics, beds, fixtures, cameras, etc.
Identify what your insurance covers. Some good policies provide funds of up to £250,000 to rebuild the house. It is in the condition of a natural calamity like an earthquake or flood. Thus, understand what good home insurance coverage looks like. It will help you refresh your needs and check out a favourable cover. Otherwise, imagine spending £250,000 on house damage! It’s scary!
Thus, analyse your home insurance coverage and prepare your home aspects accordingly. Check what does it not cover by comparing the policies. You can also take the help of financial experts.
3) Protect your home against the fire hazard
Explore and try to eliminate the possibility of the house catching fire. The most common reasons behind the fire hazard is- trees. The tree catches flame quickly and spreads in no time. Trees can catch fire from faulty lights or lighted lamps. Here are some ways to prevent fire hazards in the home:
- Prevent your trees from drying out. Dry leaves catch fire more quickly than green ones. Moreover, trim the tree often to limit the exposure to lamps and other triggering objects.
- Replace incandescent lights with LED ones. They emit less heat and thus reduce the chances of igniting the dry branches.
- Choose battery-operated flames to reduce the risk.
- Install fire sprinklers and keep fire extinguishers ready.
- Always keep flammable materials away from candles and other fire source.
Mere negligence could lead to a home fire. If you encounter a foul or burning smell in the kitchen, stay away. Contact the experts immediately. Yes, be ready with the fire brigades if you witness a spark or fire. You must have some spare cash ready to face the situation. You don’t have one? Don’t panic. Check verified home collection loans for your needs. You may get it instantly at your home. However, it will be better to get online than risking the person’s life.
Yes, you can get quick cash in your account to deal with this fire emergency. These are known as home collection loans because the lender’s representative may provide and collect the loan payments from the home itself. You don’t need to walk out for help under such serious conditions. Sometimes, loans indeed make your life better.
- Prevent Burglary in the house
Christmas is the most apt time for the burglars to step in. You may be on your holiday trip. However, you cannot take everything with you. Thus, take the best measures to prevent the house from burglary. One of the first things is to consider burglary insurance. Yes, you may get one for your home.
The insurance provides the security against the loss or damage to the property. The reason behind this could be a break-in or forceful entry. The claim you get depends on the intensity of the robbery and stolen items. Alternatively, check for theft insurance which highlights non-violence and unlawful attempts into the home.
Bottom line
Christmas is the occasion for spreading love and laughter. However, certain negligence may cost you over £1,00,000! You don’t want to add more to your debt. Thus, consider the above measures and act immediately. Check home and burglary insurance covers. You may not have the latter one. However, get one to avoid the loss in case of an unfortunate event. Next, be vigilant about your appliance’s health. Repair the most used ones and confirm the functionality. Take every step to safeguard your home from any domestic hazard.
Anna Johnson has more than 11 years of experience in direct lending industry of the UK. She is the Senior Content Editor at 24cashflow where she is leading a large team of loan experts. During her career, she has helped the loan aspirants to use the particular loans in the best way and improve their financial lives and status.
Anna Johnson is known for her in-depth research of the UK loan marketplace, as she has worked with many major lending firms in her career. During her educational phase, she has done a research on ‘Finance Fundamentals for Growing Business’.