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Wisdom_In_Wonder t1_j2dy23a wrote

You are in a stable financial position - no new house is worth risking that. I definitely would not consider moving until the EF is at $12k and you have filled sinking funds beyond that and you are saving 15% monthly to retirement.

Home Maintenance: 1-2% of home value/year

Vehicle Maintenance: $75/vehicle/month

Vehicle Replacement: Estimated monthly payment

Personal Care: Annual clothing + haircuts/12

Holidays/Birthdays/Gifts: As you see fit

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