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Reply to "First time home buyer. Am i over extending?"
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[quote=Anonymous]OP here. My current rent is 1830 including water and sewer. And I agree it’s hard to find a 2 bedroom apart lower than that in a decent safe place with decent schools. However, what makes me VERY nervous is the hidden cost of home ownership such a repairs, maintenance so I’m wondering if I’m getting myself into trouble and into a house poor situation. In previous threads in DCUM people making twice and three times as much as me have a $1800 mortgage... So after pretax deductions which includes my share for preschool my take home pay is $3998 plus $350 of child support so total of $4350. Here is the breakdown: -piti 1880 - utilities 240 (internet, electric, water/sewer) - groceries and household goods $305 -car insurance and fuel $240 -cellphone $73 -personal allowance $200 - tithing $50 - subscriptions $16 - DD’s fund $50 - car service $100 - home maintance $350 -vacation $200 - savings to build emergency fund $397[/quote]
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