Home Maintenance Budget vs. Emergency Fund

Home repairs can destroy your emergency fund. A roof can cost between $7,000-$15,000. How about a new air conditioner? $8,000.
As you become an advanced saver, separating your home maintenance budget and emergency fund is a good idea.
Separating the two funds allows you to see your financial situation clearly. Ideally, you would keep about $10,000 to $15,000 in your home maintenance budget for each home.
It sounds tough to save six month worth of expenses in your emergency and another $10,000 in your home maintenance budget, but you can do it.
Create the plan, and stick to your budget. You will get there eventually. Trust me: I am working on building my funds as well. Good Luck!