The Complete Homeowner System

Owning a house is a job nobody trains you for. There is no manual, no schedule, and no warning before the water heater goes. This is the system that fixes that.

Four 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.

What you get

• Home Maintenance Schedule — 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.
• Home Inventory for Insurance — 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.
• Mortgage, Escrow & Payoff Planner — full amortization, six extra-payment scenarios side by side, your PMI cancellation date, and a check on whether your servicer is over-collecting escrow.
• Renovation Budget & Bid Tracker — budget versus actual across 120 line items, three contractor bids compared, and the draw and change-order paper trail that protects you.
• The New Homeowner's First 90 Days — an 8-page guide with 51 things to do after closing, in the order that matters.

These are real spreadsheets, not printables

Every 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.

Details

• Works in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice
• Instant download — files arrive by email the moment you order
• Built for US homeowners (escrow, PMI, property tax, HO-3 insurance limits)
• Yours forever, single-user licence

Buying the four workbooks separately costs $81.

An organizing tool, not legal, tax, insurance or financial advice. Rules vary by state — verify anything consequential with your own agent, assessor or attorney.