Smart Home Construction Budgeting: Why a 10–15% Contingency Fund Saves You from Stress Building a home without a contingency fund is one of the most common mistakes people make. Construction always brings surprises — from shifting material prices to small design adjustments and unavoidable delays. Keeping a 10–15% buffer ensures your project never pauses, quality never suffers, and your budget stays stable even when things don’t go as planned. A smart home budget is flexible, realistic, and prep
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