{"title":"New Homeowner Essentials","description":"\u003cp\u003eYou got the keys. Nobody handed you a manual. Start here.\u003c\/p\u003e\u003cp\u003eThe tools that matter most in the first year of owning a home — what to maintain and when, what you own and whether it is insured, and what your mortgage actually costs.\u003c\/p\u003e","products":[{"product_id":"complete-homeowner-system","title":"The Complete Homeowner System","description":"\u003cp\u003e\u003cstrong\u003eOwning a house is a job nobody trains you for.\u003c\/strong\u003e There is no manual, no schedule, and no warning before the water heater goes. This is the system that fixes that.\u003c\/p\u003e\n\n\u003cp\u003eFour working spreadsheets and a guide that cover the whole job: keeping the house running, proving what you own to an insurer, understanding what your mortgage actually costs, and keeping a renovation from running away from you.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eHome Maintenance Schedule\u003c\/strong\u003e — 61 tasks with intervals, best season, DIY-or-pro and typical cost. You log what you did; it tells you what is overdue. Plus a systems log that predicts when your roof, HVAC and water heater need replacing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHome Inventory for Insurance\u003c\/strong\u003e — room-by-room inventory that compares what you own against what your policy actually pays, including the special limits on jewelry, firearms and silverware that most people never read until it is too late.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMortgage, Escrow \u0026amp; Payoff Planner\u003c\/strong\u003e — full amortization, six extra-payment scenarios side by side, your PMI cancellation date, and a check on whether your servicer is over-collecting escrow.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRenovation Budget \u0026amp; Bid Tracker\u003c\/strong\u003e — budget versus actual across 120 line items, three contractor bids compared, and the draw and change-order paper trail that protects you.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe New Homeowner's First 90 Days\u003c\/strong\u003e — an 8-page guide with 51 things to do after closing, in the order that matters.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eThese are real spreadsheets, not printables\u003c\/h3\u003e\n\u003cp\u003eEvery one calculates. Type your numbers in the highlighted cells and the totals, dates, variances and warnings update themselves. Each file opens with a Start Here tab so you are never guessing what to do.\u003c\/p\u003e\n\n\u003ch3\u003eDetails\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice\u003c\/li\u003e\n\u003cli\u003eInstant download — files arrive by email the moment you order\u003c\/li\u003e\n\u003cli\u003eBuilt for US homeowners (escrow, PMI, property tax, HO-3 insurance limits)\u003c\/li\u003e\n\u003cli\u003eYours forever, single-user licence\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003cem\u003eBuying the four workbooks separately costs $81.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003csmall\u003eAn organizing tool, not legal, tax, insurance or financial advice. Rules vary by state — verify anything consequential with your own agent, assessor or attorney.\u003c\/small\u003e\u003c\/p\u003e","brand":"Sparrowstead","offers":[{"title":"Digital download","offer_id":58713394512217,"sku":"SS-BUNDLE-01","price":49.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1066\/6187\/1961\/files\/sparrowsteadbundle.png?v=1785327862"},{"product_id":"home-maintenance-schedule","title":"Home Maintenance Schedule — 61 Tasks, Tracked Automatically","description":"\u003cp\u003e\u003cstrong\u003eNobody forgets to change the HVAC filter on purpose.\u003c\/strong\u003e They forget because there is no system telling them it is due. This is that system.\u003c\/p\u003e\n\n\u003cp\u003e61 real maintenance tasks, already loaded. You type in the date you last did each one. From then on the workbook tells you what is overdue, what is due in the next 30 days, and what is fine.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard\u003c\/strong\u003e — a live count of what is overdue and what is coming, broken out by system and by season.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMaintenance Schedule\u003c\/strong\u003e — all 61 tasks across HVAC, plumbing, roof and exterior, safety, appliances, yard and admin. Each with how often, the best season, whether it is a DIY job or a pro one, and what it typically costs.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHome Systems Log\u003c\/strong\u003e — the age, warranty and expected replacement year of every major system, so the roof and the furnace stop being surprises and start being line items you saved for.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eService Providers\u003c\/strong\u003e — your own vetted contractor list, built before the night you need it.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eIt calculates. You do not.\u003c\/h3\u003e\n\u003cp\u003eEnter a date and the next due date, days remaining and status update themselves, colour-coded. No manual tracking, no printing, no rewriting it every January.\u003c\/p\u003e\n\n\u003ch3\u003eDetails\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice\u003c\/li\u003e\n\u003cli\u003eInstant download\u003c\/li\u003e\n\u003cli\u003eStart Here tab walks you through setup in five minutes\u003c\/li\u003e\n\u003cli\u003eYours forever, single-user licence\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003eCosts shown are typical US ranges and vary by region. 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If you cannot show what was in the house, you do not get paid for it — and most households discover this at the worst possible moment.\u003c\/p\u003e\n\n\u003cp\u003eThis is the document that settles a claim faster and higher: a room-by-room record of what you own, priced at what it would cost to replace today.\u003c\/p\u003e\n\n\u003ch3\u003eThe tab that makes this different\u003c\/h3\u003e\n\u003cp\u003eMost inventory templates are just a list. This one has a \u003cstrong\u003eCoverage Check\u003c\/strong\u003e tab. Type in the limits from your declarations page and it tells you whether your policy actually covers what you logged — and flags the categories your policy quietly caps.\u003c\/p\u003e\n\u003cp\u003eBecause your homeowners policy almost certainly pays a maximum of \u003cstrong\u003e$1,500 for all jewelry combined\u003c\/strong\u003e in a theft. And $2,500 for firearms. And $2,500 for silverware. Those limits are printed on page four of a document nobody reads. If your engagement ring is worth more than $1,500, this workbook will tell you tonight — while you can still do something about it.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCoverage Check\u003c\/strong\u003e — what you own versus what your policy pays, with special-limit warnings\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInventory\u003c\/strong\u003e — 260 formatted rows with room and category dropdowns, serial numbers, purchase price and replacement cost\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSummary by Room\u003c\/strong\u003e — automatic totals, so you can see which room carries the value\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePolicy \u0026amp; Documents\u003c\/strong\u003e — policy numbers, claims phone, and a step-by-step for the day you actually need it\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eDetails\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice\u003c\/li\u003e\n\u003cli\u003eInstant download\u003c\/li\u003e\n\u003cli\u003eBuilt around US homeowners policies (HO-3 structure and special limits)\u003c\/li\u003e\n\u003cli\u003eYours forever, single-user licence\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003eAn organizing tool, not insurance advice. Coverage and special limits vary by carrier and state — confirm against your own declarations page or with your agent.\u003c\/small\u003e\u003c\/p\u003e","brand":"Sparrowstead","offers":[{"title":"Digital download","offer_id":58713394741593,"sku":"SS-INV-01","price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1066\/6187\/1961\/files\/sparrowsteadinventory.png?v=1785327748"},{"product_id":"new-homeowner-first-90-days-free-guide","title":"The New Homeowner's First 90 Days — Free Guide","description":"\u003cp\u003e\u003cstrong\u003eYou got the keys. 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