[Great68]

Thing about homeownership is that some of those things are somewhat optional, you certainly have more control and discretion. The lines also get blurry as to what's a "need" vs a "want" or even a hobby.

Like, the only "Emergency repairs" I've had in 12 years has been my hot water tank when it sprung a leak 8 years ago, which I fixed myself for $600.

Mowing the lawn is necessary, that's like $30 in lawnmower gas a year. Trimming the trees, can do myself (bought a $50 pole pruner when I moved in) except for the japanese plum which I've had professionally done twice at ~200 each time.

We garden quite a bit, and money goes into the soil and plants etc, but that starts falling into hobby category because we like doing it and it looks nice. We could just as easily cover over the gardens with gravel and never need to deal with it.

I've repainted and done all that shit, but it's not like the rooms were unlivable how they were, falls under want more than need.

Last summer I got the gutters and the heat pump, the old gutters were still doing their job, they were just ugly. Same thing with the furnace, it was still doing its job but with the incentives and my refrigeration buddy's availability the time was right to get it done.

Roof is still in good shape at ~12 or so years old , but certainly something that'll need budgeting for.