May sound obvious, but it's not till you get there. First time homebuyers no longer have a landlord or relative that handles any needed fixes. For instance, a mere water leak from a tub or shower area can cause a panic. What does one do? It may be a simple fix like, calk the areas around the tub, but a first time homebuyer may call in a plumber which can be costly. So essentially, the cost of maintaining your home in proper order is unexpected. That fix could cost 2 bucks or 150 bucks if you hire a plumber. My best advice, buy home warranty insurance, for the unexpected.