DIY still the favourite

Despite recent signs of life in the economy, we are all still a little too nervous to fork out mountains of cash on any large purchases such as cars, houses and long-haul holidays.

In fact, we all seem to be staying put. More of us have stayed in Britain for our summer holidays this year, more people are considering ways to use their cars less as the cost of motoring continues to increase and although the government scrappage scheme is mildly helping car sales, it is having nothing like the impact that it had planned.

Finally, it seems many families are forgetting about moving up the property ladder right now and instead are staying home to do some good old fashioned DIY. Improving your home yourself won't save time, but it will definitely save money and it will add much needed value to your property for when the market is ripe to sell.

Seeing as money isn't exactly 'of no object', and cutting corners will never bode well for the eventual sale of your property, be selective about the works that really need doing.

Painting is the obvious place to start. Chipped and flaking paint never scores points with potential buyers. Giving the walls a fresh lick of paint is a pretty straightforward job that improves the appearance of your home without costing you a small fortune.

Make sure the exterior of your property is also presentable. Missing roof tiles, lose guttering and an overgrown garden will put people off even before they walk through the front door. This job is a slightly more technical than a magnolia paint job, however it is still something that can fall under the DIY remit.

Unreliable boilers and leaking radiators will be discovered by a survey, so sort it before you even attempt to sell your home. This kind of big job will put people off buying and could lead to buyers pulling out on a sale.

Most people don't think about central heating in the summer, so boiler installation costs are usually lower and there is always a deal to be done. You can save yourself money and hassle by being prudent.

To keep your boiler in tip-top condition throughout the winter season, it may well be worth investing in boiler insurance. This can cost from as little as ?7 a month including 24-hour call-out. It's just DIY with a helping hand.

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Take out homecare insurance with British Gas and make sure that you have no unpleasant surprises or engineers bills this winter.

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