1. Get up close and personal with your house. 

Annual cost: $0-$10 

Trust us — you want to be on intimate terms with your house. The more familiar you are, the easier it is to spot potential trouble spots before they get out-of-hand — and expensive to fix.

You don’t have to be a pro inspector; just take the time to stroll around. A DIY inspection costs nothing — and could save you thousands. Look for:

  • Cracks in the foundation. Hairline...