Lesson 4: Budgeting for Unexpected Costs

Owning a home means more than just paying the mortgage—it means being financially prepared for surprises. From major repairs like HVAC failures and plumbing disasters to rising property taxes and insurance premiums, this lesson breaks down the hidden costs of homeownership that most buyers don’t see coming. You’ll learn how much to budget for home maintenance, what emergency expenses to plan for, and real-life examples of homeowners who weren’t financially prepared—and paid the price. By the end, you’ll know exactly how to keep your finances strong and avoid the stress of unexpected home expenses.

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