my two cents: don't forget a budget item for "home repairs and maintenance" . generally 1-5 percent of the value of your home.
my home is worth 110,000. i sock away 300 a month for home repair.
110,000 x 3% = 3300/12 = 275
my home is worth 110,000. i sock away 300 a month for home repair.
110,000 x 3% = 3300/12 = 275