A well-stocked toolbox is essential for every homeowner, but choosing which tools to pack inside that kit can be confusing. What do you really need, and what’s just an extra? We’ve compiled a guide to stocking a homeowner’s toolbox at every skill level. Happy fixing!

First, stock your tool kit with the basic tools for small home improvement projects, and other essentials to keep your home running smooth:

Claw hammer. From hanging up pictures to securing loose railings, a hammer is your go-to tool for the most basic jobs around the house. You should also consider getting a lightweight pin hammer for smaller jobs.

Screwdriver set. It’s worthwhile to invest in a set of screwdrivers so you have various sized flat-heads and Phillips-heads handy for any kind of job. You can pick up a set of 10 screwdrivers at your local home improvement or hardware store, or order one from Amazon.

Allen wrench set. A universal Allen wrench set will set you back just $10. You’ll use these wrenches anytime you order a piece of furniture that requires assembly.

Tape measure. A retractable 25-foot tape measure will come in handy when you need to measure space for new furniture or decor items. You may want to get a pocket-sized tape measure as well so you can bring it with you when you measure items at a store.

Flashlight. It’s always a good idea to have a source of battery-powered light in case of an outage. Also, consider a rechargeable flashlight that can be recharged by hand so you are never without a source of light.

Once you have filled your toolbox with the basics, and you become more skilled at around-the-house repairs, consider adding these more advanced tools to your collection:

C-clamp. When working on a woodworking project, a clamp will help to hold the wood in place.

Stud finder. This ingenious tool will keep you from creating unnecessary holes or drilling where nails already exist.

Cordless drill. A cordless drill has dozens of household uses, especially if you get into woodworking or light construction around the house.

Safety gear. You’ll need safety goggles, ear protection and dust masks when using power tools.

Wire stripper. Perfect for cutting materials like aluminum, copper, brass, iron and steel, wire strippers are essential for the committed DIYer.

There is a variety of financial solutions to help you pay for your home improvements: Home Equity Loan or Line of Credit (HELOC), personal loan, or a SeaComm Visa® Platinum. As a member, you might already be pre-approved for a personal loan or SeaComm Visa® through our loan pre-approval program, LoanEngine™, which allows you to view and accept loan offers without having to come into a branch or fill out an application! If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail.

You have the ability to accept offers immediately by following the prompts, or by calling into our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you don’t have any offers at this time, be sure to check back every 60 days.