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Home Repairs and Emergency Funds

September 17th, 2018 Written By Carol Pawley

adapted from Les Masterson’s article on realtor.com            

If home repairs are a headache to you, then emergency home repairs probably resemble a throbbing migraine.  To ease your pain it is wise to have a specific savings stored up to eliminate the stressful financial part of the equation. Most financial experts recommend having a 3-6 months of living expenses for when hard times arrive. When it comes to home repairs you should aim for 1-3% of your home’s value.In addition to a home repair emergency fund it is also wise to set up 2 general emergency funds:  one for everyday items and one for dire emergencies.  Everyday matters may cover the cost of a broken microwave while dire emergencies savings should be enough to cover disasters that could interrupt your ability to pay your mortgage, such as a failed septic tank or loss of a job.  Aim for 10% of your annual wages to go toward your general emergency savings and 20% of your mortgage balance for a dire emergency fund.  It might be a slow process to reach these goals, but once you saved up, emergencies can cause less stress all the way around.

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

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