There are a few budgeting expenses often overlooked when thinking about purchasing a home. These may seem like luxury items to some people but may be essentials for you. Tithing or offerings, any health care not covered by insurance, such as, massages or chiropractic care. Another thing to consider is vacations and travel, retreats or extra-curricular activities ( equipment, sign-up fees, or anything else related to that particular activity). Be sure and remember you have other things to consider besides your immediate expenses.