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While some aspects of an appraisal, such as comparable properties nearby, are out of your control, there are several steps you can take to potentially increase your home's value. Make any necessary repairs and upgrades before the appraiser's visit, as they can only value what is currently part of the home, not its potential. Examples include renovating older areas, updating landscaping to boost curb appeal, and staging your home. You can also provide the appraiser with the cost of recent upgrades, which may increase your home's value by about 50% or more of what you paid for those improvements.

There are several strategic ways to lower your home insurance premium. The primary one is to shop around and get quotes every few years to make sure you’re getting the best deal. Also, sometimes bundling your auto and homeowner’s insurance will get you a discount on both. Finally, try to keep your credit score up; many homeowner insurance companies use credit scores to generate quotes.

String lights require electricity, but not an excessive amount, especially when compared to other lighting fixtures. LED rope lights, for instance, consume around one watt per foot. Running six or seven light strings simultaneously should only cost you around $10 to $15 each month. You can save even more money by remembering to turn off your lights during daylight hours. 

It’s not recommended to turn off your breaker box in hopes of saving electricity. Breaker boxes were not designed to constantly be switched on and off. Therefore, turning off breakers unnecessarily can cause costly damage that outnumbers any energy savings. Only flip your breakers if absolutely necessary when troubleshooting an electrical issue.