Reply to College savings--GAH!

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]How do you budget for other very costly things in life?  We are middle-class and save $100/ month per child.  I don't want to save more for this because I want to also save for house renovations and vacations.  I also don't want my kids to graduate from college with six-figure debt.  Do you all have house funds/vacation funds, etc in your budgets?[/quote]

We don't save for house renovations and vacations (?). We do those things only if we can pay for them out of current income. College savings are much more important to us than renovating the house.[/quote]

what if your hvac dies on you?  Or your roof falls apart?  Do you live in squalor until you have the money to repair it?  Because I call bullshit.
[/quote]

Those are home repairs not renovations. We have replaced both the roof and hvac in the past few years.  Yes, we have an emergency fund and an emergency home repairs fund. We do not have a fund filled with tens of thousands of dollars for home renovations.[/quote]

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