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While homeowners connected to a municipal sewer line still have to keep up with plumbing maintenance, the downside to a septic system is that all the maintenance falls on the homeowners. Not calling in a pro to pump the tank every few years or accidentally flushing or draining the wrong types of materials can quickly cause clogs, which can back up into drains around the home.

Watch for slow drainage, pooling water in the yard, or unpleasant odors inside or outside. Addressing these issues timely avoids significant disruptions or costs.

When a septic tank is full, it needs to be professionally pumped. The average cost of a one-time septic tank pump is about $400, or $0.30 per gallon. If your septic tank is full, you may notice that you have issues flushing your toilet, pipes are draining very slowly, or you have a sewage smell lingering in your home or yard.

Some flushable wipes companies say they are designed to disintegrate within a few hours to a few days after being flushed. These wipes allegedly use materials that are more water-soluble than traditional wipes. However, many experts have raised concerns that even so-called "flushable" wipes do not break down as easily as claimed and can contribute to clogs and blockages in sewer systems.

To prevent plumbing and sewer problems, avoid flushing wipes, even those labeled as flushable. Instead, dispose of them in the trash. This can help prevent costly plumbing issues and reduce the strain on wastewater treatment systems.