bluGill ,

Those who own a house can have our budget changed by things outside of our control. If my neighbor builds a mansion that makes my house more valueable and thus worth more and so I have to pay more taxes - nothing has changed about my house though. This means I have less money in my budget to do my own remodeling, go on vacation or whatever.

I know as a homeowner I will have expenses, but most are somewhat predictable - I replaced my furnace this fall but I started budgeting for it 2 years ago. My roof is getting old and so I'm already starting to budget for replacing it. However if my house goes up in value by more than inflation that is hard to budget for.

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