Owning a home comes with freedom, stability, and long-term value, but it also comes with responsibility. While many homeowners plan for mortgage payments and insurance, fewer account for the ongoing services required to keep a home safe, functional, and comfortable. The result is often surprise repairs, rushed decisions, and higher long-term costs. The most financially resilient homeowners treat maintenance and repairs as predictable expenses rather than emergencies. By understanding which services matter most and how to plan for them, you can reduce stress, protect your investment, and make smarter decisions over time. This guide breaks down the essential home services…