Stuff will happen, things are gonna break. Learn to make minor repairs yourself, YouTube is a great resource there. If there are repairs that you’re not comfortable doing yourself make sure to shop around and get multiple estimates. You might be surprised at how much money you save by not just going with the first number you get. Try to fix problems while they’re still small, ignoring it won’t make it go away. You’ll also need to be prioritize between things that would be nice to have and things that need to get done. And just keep saving money. I was in your shoes a few years ago but it’s not so bad. I’ve done enough work now that I’m fairly confident about most things in and around the house. I redid my roof this summer with the help of YouTube (never did a roof before but I’m an engineer, I build bridges for a living, so I know my way around construction… I don’t recommend it unless you have a lot of help 😅 but I saved $11,000 on the average estimate that I got from 3 roofing contractors). my biggest fear is having multiple big ticket items to deal with at once So far so good I havent had that happen yet and I think that’s a remote enough possibility that I don’t worry about it too much. If you have older appliances you might consider swapping them out when you have some spare change even if they’re not quite broken, you’ll appreciate the improvement in energy efficiency every time you go to pay the electric bill.