I guess I should include the car as well

I think having a car (or not having one - as the case may be) is important enough to include with all that having a house involves.

I was going over a past list of repairs (and repairs needed) and was just frustrated over the number of them.  Replacing the battery, engine repairs - not to mention the "regular" things like paying for gas, the yearly inspection and the like - that is a LOT of things!

But I have come to the conclusion that having a car is necessary and all those things that go with having one have to be tolerated - even expected.  It would be nice though if I had a car emergency fund!