[quote=AN]You can also add in 1-2% for maintenance but I assume you’re not completely stretched and will be able to have more than that saved a month, so you can just tap into your savings when problem occurs.[/quote]

I put my house maintenance savings into a separate savings account specifically for that purpose. I don’t want it intermingled with my other savings. Doing this helps me to better compartmentalize the money so that there is no temptation to spend it on something else.