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[quote=Anonymous][quote=Anonymous]I can't earn extra money. I just cut costs.[/quote] +1 We just made sure our mortgage was what we felt we could afford, not what the bank said we could afford. We saved before having children to be able to have a jump start on college and retirement and have the emergency fund. We were in our early to mid thirties when we married. We budget for unexpected expenses- there is always something every year, we just don't know what it will be, but we know it is around 5%-10% of our budget. [/quote]
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