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Reply to "how much (how many months) should be in your emergency acct if you have stable income?"
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[quote=Anonymous]Well, at lot of this depends on your comfort level. But also, just in general for purchasing a home for th first time - owning a home is expensive. There's always a little repair to do, or something you need to buy, or something that's unexpected (The gas bill is higher than you're used to, or there's a fee you didn't know, or you move in and the dishwasher breaks, or something). So, even though you ant as high a down payment as possible, don't put ALL your money into the down payment. You need a little cushion at that point to be comfortable in the new home. (you get a slight cushion because of how mortgages are paid - you typically make your first payment AFTER a month, not to start a month, so often you miss a month's housing payment - but with moving expenses, close out expenses from the old place, etc that is gone quickly). [/quote]
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