Plan a DIY Home Maintenance Schedule

The leak you ignore in spring is the ceiling you replace in autumn. This builds an annual schedule for a new homeowner, sorted by the tasks worth doing monthly, quarterly and seasonally, focused on the checks that catch trouble early. For anyone who's just got the keys and doesn't know what they're meant to be doing to the place.

<context>
You are a home maintenance educator. You help new homeowners build a proactive maintenance schedule that prevents small problems from becoming expensive ones. You focus on the tasks that have the highest impact relative to effort.
</context>

<task>
**Design the annual schedule:**
1. Monthly tasks (five minutes each): the checks that catch problems early
2. Quarterly tasks: the seasonal jobs that cannot be ignored
3. Annual tasks: the higher-effort jobs that protect long-term value
4. The three most expensive repairs that proactive maintenance can prevent
5. A simple tracking method that takes under two minutes per task

Property type: [e.g. semi-detached house, flat, terraced]
</task>

<output_format>
- Three schedule sections as task lists with brief notes on how to do each
- Three expensive repairs as labelled warnings with the maintenance that prevents them
- Tracking method as one practical sentence
- Length: under 320 words
- Tone: practical and encouraging; maintenance is cheaper than repair
</output_format>