Do You Have a Homeowner Budget?

Homeowner budgets are challenging. The monthly recurring expenses aren't difficult. While there's some variation in water and electric bills, they're fairly predictable. It's the unpredictable homeowner expenses that are hard to predict so you've got to come up with estimates for:

• Preventive maintenance, both materials and labor.
• Repairs big and small that occur every year, like a new mailbox or window.
• Major renovations like a new roof or HVAC system. They're needed every few years and by saving in advance, they're easier to manage when the time comes.

You'll also want to plan, budget and save for home improvements like a bathroom remodel or new kitchen appliances.

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