Owning a home can be expensive, and monthly costs can be volatile. You can prepare for your mortgage payment, but if a leaky roof catches you off guard, your entire budget could be thrown out of whack.

About 3 in 10 homeowners (31%) don’t have money set aside for home repairs and improvements, according to the 2018 Home Improvement Report from NerdWallet. Considering Americans spent $449.5 billion on home repair and improvement projects in the most recent two-year period, according to the U.S. Census, having some money set aside is a good first step.

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