The First-Year Homeowner Money System — Hidden Costs Checklist, 12-Month Budget & Maintenance Reserve Calculator

$29.99 launch price ($45.99 regular). Anchor against the alternative: "one surprise repair costs 10x this"

Nobody tells you what the first year of owning a home actually costs. Zillow puts the hidden costs of homeownership at nearly **$16,000/year beyond your mortgage** and year one is the worst, because the moving costs, the inspection repairs, and the "the washer didn't come with the house" surprises all hit at once, right when your savings are at their lowest.

The First-Year Homeowner Money System is a plug-and-play spreadsheet + guide that makes every cost visible, scheduled, and pre-funded:

• **The Hidden Costs Checklist** — 30+ first-year costs with real price ranges, so you see your true number before it sees you
• The 12-Month Cash Flow Tracker** — set your budget once, log actuals in 10 min/month, watch variance calculate itself
• The Maintenance Reserve Calculator** — 3 sizing methods + a sinking fund for every major system (roof, HVAC, water heater...) based on YOUR home's age
• The Seasonal Maintenance Planner** — the tasks that keep $200 problems from becoming $5,000 problems, with DIY vs. pro costs
• **BONUS: The Tax Savings Check (Tax Year 2026)** — a 2-minute calculator that answers honestly whether YOUR home can save you money on taxes this year (PMI is deductible again in 2026 — most buyers have no idea), plus the home-improvement log that shrinks your tax bill when you eventually sell. Updated free every tax year.
• **The 15-Minute Companion Guide** — your first-year money calendar, the escrow surprise explained, the tax check walkthrough, and the 5 rules of year one
• Works in Excel and Google Sheets. Fill in the yellow cells, follow the system, own your home on purpose.

Guarantee: If this doesn't surface at least $1,000 in costs you hadn't budgeted for, reply to your receipt for a full refund.