We had a pipe burst in our house last week. So it was an unexpected “home improvement” cost that wasn’t a discretionary. I’d like to track track these types of unplanned, unexpected expenses differently than how I’d track home improvement projects are not emergencies (e.g., updating a light fixture).
I’d like to apply this more broadly to things like healthcare and our car-related expenses. I want to distinguish between expected expenses vs. unexpected expenses that would fall generally into the same category. Any advice on how you’ve approached this?