frugalfish is right. It's always a better idea to save up rather than to get a loan. Of course, if your roof needs to be replaced and I mean needs to be replaced and you don't have the funds - that is different.
As far as budgeting goes, there are books on the market that will list the expected life of any item. You sort of have to allocate each month and budget a set amount for HOME MAINTENANCE. That is apart from home furnishings. Home furnishings is for smaller things like toasters, lamps, etc. I budget about $20. a month on items like that. You have to start somewhere to get a fixed amount each month. I try to set aside $1,000. a year knowing that I may have to spend $250. for paint or other project needed larger amounts of money.
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