Submitted by Dweezy t3_11bxdqf in personalfinance
We're looking to buy our first home and my wife and I are trying to figure out our budget. She doesn't believe in setting aside a budget for the 1% of house value a year as rule of thumb. I'm just making sure we have a cushion in case we need to repair this and that but she believes that's an afterthought and shouldn't make it into our monthly budgeting. I'm not sure what to say to change her mind. What's reddit's opinions on this? Am I worrying too much and should be more care free?
EDIT: In my wife's defense, I should've mentioned we have a catch-all emergency fund in a HYSA set aside that I suppose we'll tap into to cover house-related maintenance and mishaps.