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There’s also the upkeep cost for repairs and to renovate.
We’ve let our gutters stay broken for several years now because we just can’t afford to get them fixed. We had to have an emergency repair to our heat pump yesterday and that’s going to be hundreds of dollars out of pocket. We’re on a single income. My wife gets paid well (not $150,000 a year well) and our mortgage is low, but we’re barely making it.