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Home & DIY
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Ben Rios

Ben’s mission is to make personal finance feel less like punishment and more like progress. He’s a spreadsheet enthusiast and a feelings guy, which means he’ll help you budget realistically without the shame spiral. Think: approachable advice for real people who are juggling bills, goals, and maybe a little chaos. “Money isn’t about being perfect—it’s about getting a little more peace of mind each month. I’m just here to help you find that next step forward.”

Home Safety To-Do List for the Coldest Months

Home Safety To-Do List for the Coldest Months

There’s a special kind of quiet that comes with winter—the kind you feel when the snow’s falling, the cocoa’s hot, and your house creaks a little louder than usual. I used to romanticize it—until I realized my pipes were freezing, the furnace sounded like it was auditioning for a horror movie, and the gutters had turned into icy waterfalls.

That first brutally cold season taught me the hard way that winter prep is no joke. Since then, I’ve created a winter-ready checklist that’s now my annual ritual. It keeps my house safe, my bills lower, and my stress levels in check. Let’s get into it, so you can enjoy the frosty beauty without the icy disasters.

Insulate, Seal, and Keep the Heat In

You don’t need to gut your house to stay warm—you just need to outsmart the cold. That starts with keeping what heat you’ve got inside where it belongs.

1. Hunt Down Drafts Like a Pro

Walk around on a breezy day and feel near windows and doors. Found a chill? Weather stripping and door sweeps are inexpensive and incredibly effective. Drafts are sneaky, but once you know where they’re coming from, you can block them like a winter ninja.

2. Wrap Your Windows Right

Those plastic shrink film kits? Game changers. It’s like giving your windows a winter jacket—and your heating bill a break. Bonus: it’s kind of satisfying to use a hairdryer to shrink the film tight and see the results instantly.

3. Check Attics and Basements

These areas are like the forgotten rooms of your home—but they’re often the worst offenders when it comes to heat loss. Adding insulation rolls and plugging any visible gaps can make a night-and-day difference in how warm your house stays.

Show Your Heating System Some Love

Your heating system is working harder than a barista on a Monday morning. Give it some attention before it gives up on you.

1. Call in the Pros

It’s not glamorous, but scheduling a professional check-up for your furnace or boiler can catch issues before they become full-blown emergencies. I made this mistake once—and spent the coldest weekend of the year wrapped in five layers.

2. Replace Filters Religiously

Clogged filters choke your system and spike your energy bills. Mark your calendar and change them monthly. Your system—and your sinuses—will thank you.

3. Use a Smart Thermostat

Investing in a programmable or smart thermostat lets you control your heating even when you’re not home. Lowering the heat while you sleep or during work hours can save you hundreds over a single winter.

Keep the Fireplace Cozy, Not Risky

Nothing beats the snap and crackle of a wood-burning fire—but only if it’s safe to use. Your fireplace is charming, but it’s also a high-risk feature if neglected.

1. Sweep the Chimney Annually

Hire a certified chimney sweep to remove creosote buildup and inspect the flue. It’s an easy appointment that can prevent chimney fires—worth every penny.

2. Install a Carbon Monoxide Detector

If you don’t already have one, now’s the time. Put one on every floor and near sleeping areas, especially if your heating source involves combustion.

3. Cap Your Chimney

Critters love to make winter nests in your chimney. A simple cap keeps out birds, raccoons, and precipitation, preserving airflow and peace of mind.

Don’t Let Gutters Wreck Your Roof

I ignored my gutters once. Just once. The result? A leaky ceiling and a lecture from my roofer that I’ll never forget.

1. Clear the Gunk Before It Freezes

Dead leaves, sticks, and gunk can block melting snow from draining properly. When that water refreezes, it forms ice dams that sneak water under shingles.

2. Double-Check Downspouts

A downspout that dumps water right at your foundation is begging for trouble. Aim to redirect runoff at least 6 feet away using extenders or splash blocks.

3. Install Gutter Guards (Optional but Powerful)

They reduce future clogs and mean less climbing up ladders. I installed mesh guards last year and haven’t had to touch my gutters since—worth it.

Stop Pipes from Turning into Popsicles

Frozen pipes are the winter equivalent of a horror story. You hear the pop, see the drip, and suddenly you’re knee-deep in a mess.

1. Insulate Exposed Pipes

Pipes in garages, basements, or crawl spaces are the most vulnerable. Foam pipe insulation is cheap and fast to install. Just measure, cut, and pop them on.

2. Let Faucets Drip Overnight

On subzero nights, letting your taps trickle keeps pressure from building up. I learned this after a pipe burst and soaked the laundry room. Never again.

3. Locate Your Shut-Off Valve

Make sure every adult in the house knows where it is and how to use it. Tag it clearly. In a crisis, seconds matter.

Build Your Winter Emergency Kit

When the power cuts out or a storm shuts things down, you’ll want to be ready. A well-stocked emergency kit makes a scary situation a lot more manageable.

1. Stash the Essentials

Canned food, bottled water, protein bars, and comfort snacks (looking at you, chocolate-covered pretzels) should be in your stash. Rotate items every season.

2. Add Warmth and Light

Battery-powered lanterns, extra blankets, sleeping bags, and a stash of hand warmers belong in every winter kit. I even include extra socks—we always forget the socks.

3. Think About Power

A portable charger or power bank can keep phones alive during outages. And if you live in blackout-prone areas, investing in a generator could be your best move of the season.

Make Ice and Snow Less Slippery (and Painful)

If you’ve ever wiped out while carrying groceries in the snow, you know the pain—physical and emotional. Don’t let icy walkways be your downfall.

1. Shovel Often, Not Just After

Waiting until snow is packed down makes it harder to remove. I now shovel in layers as the snow falls—it’s faster and saves my back.

2. Use the Right Ice Melt

Standard salt works, but calcium chloride melts ice faster at lower temps. For pets or kids, opt for a gentler, non-toxic formula. Read the label—always.

3. Keep Sand or Litter Handy

Not just for traction—it's great for your car tires too if you get stuck. A little grit goes a long way when surfaces are slick.

Mind the Air: Keep Humidity Just Right

Winter air dries out more than just skin. Your wood floors, electronics, and even your indoor plants can suffer. Controlling humidity helps protect more than just your nose.

1. Use a Hygrometer

These little tools are cheap and easy to use. Stick one in each main area of your home and monitor levels to stay in that 30–50% sweet spot.

2. Bring in the Humidifier

Steam humidifiers work well for bedrooms, while larger evaporative ones are great for living rooms. Ours runs day and night during peak cold months, and it’s made a huge difference.

3. Ventilate and Balance

Make sure you run exhaust fans in bathrooms and kitchens when cooking or showering. This prevents too much moisture buildup, especially in older homes.

Don’t Forget the Garage and Shed

It’s easy to focus on the house and forget these outer zones—but they store tools, pipes, and even your car battery, all of which are vulnerable to the cold.

1. Insulate Garage Doors

If you have a workshop or laundry setup in the garage, insulation panels can help keep the cold out and protect what’s inside.

2. Winterize Tools and Gas Equipment

Add fuel stabilizer to gas-powered tools like lawnmowers or snowblowers. Drain water from hoses and outdoor spigots to prevent freezing damage.

3. Check Extension Cords and Outlets

Cold and moisture can affect outdoor outlets and cords. Use weather-rated covers and consider unplugging non-essentials during snowstorms.

🫙 Tip Jar!

  1. Be vigilant with insulation; nothing says cozy like draft-free living.
  2. Your heating system desires the spotlight—give it some attention pre-winter.
  3. Chimney and fireplace safety checks ensure ember bliss without the stress.
  4. Clean gutters mean no migration of water where it doesn’t belong—like your attic.
  5. Aim to keep water running and faucets dripping to outsmart the freeze.

Blankets, Batteries, and a Bit of Wisdom

Winter prep doesn’t have to be overwhelming—it just has to be consistent. A few smart steps now mean fewer emergencies later, and more time enjoying the cozy side of the season. Whether it’s wrapping your pipes, upgrading your insulation, or finally tackling those gutters, every task on this list is a layer of protection around the life you’ve built.

So here’s to a season filled with warm socks, quiet snowfall, hot drinks, and zero surprise ceiling leaks. You’ve got this—and your future self (and utility bill) will thank you.

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