As a budgeting tool, a LESA is hard to beat. Because a LESA is a one-and-done, set-it-and-forget-it proposition, you can budget with more certainty. You will have one less (big) bill to worry about. With your LESA in place, you’ll never find yourself thinking, “I would install that new walk-in bathtub or schedule that weekend getaway if only I didn’t have those property taxes and homeowners insurance bills coming due again.”