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Reply to "Ok I'll jump on the budget bandwagon"
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[quote=Anonymous][quote=Anonymous]Not the OP, but our budget also has a misc category which covers things like copays and minor maintenance issues (new toilet flapper, oil changes). For major maintenance costs (like plumbing work or a new roof) it comes out of our savings--we always keep a good chunk of savings readily available to cover things like this and then gets replenished. So I don't think of it as a line item in my savings, I just make sure we always have a good cash reserve available to cover anything that might come up.[/quote] Can I ask, how much do you have in your maintenance fund? We just bought a house and I am trying to figure out how much I should have in reserve that is separate from our emergency savings (i.e., the money we would use if one of us lost our job or if we had a medical emergency). Is $10K enough? Do you add to it constantly, or set a certain amount and only replenish after a big expense?[/quote]
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