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Reply to "Anyone at $330K HHI have a mortgage that is $4900/month (37% of net pay / 17% of gross)?"
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[quote=Anonymous]OP, you cite your DH's hobbies as the primary reason for your debt, but you say YOU'd be happy to cut back. Are you sure your DH is really willing to do that? And are you sure you're not equally as guilty of living beyond your means as he is? I don't see this working, financially or in terms of your family/marriage, unless you BOTH want it enough to cut back. I would try pretending this is your mortgage for a minimum of 6 months and see how it feels. Yeah I know you feel your dmall house makes you need to spend money, but that's just an excuse. In a bigger house you're going to have other excuses-- higher utilities, you need to furnish it, whatever. Give yourself 6 months to live like you have a $4900/month payment and put the extra toward paying off your credit cards. If you can do it and be happy, go for the bigger house. But if you can't make the cuts and be happy where you are, moving is NOT going to change anything. [/quote]
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