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Reply to "How much do you bring home each month? How much is your mortgage?"
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[quote=Anonymous]Our mortgage is approximately 20% of our monthly take-home pay, including PITI & HOA fee divided by 12. We have four kids so it still feels tight. DH's bonus is not counted in this, because it varies year-to-year. Overall, I would never want a mortgage above what we have now. What we have found over the years is that no matter how much one budgets, things still come up and medical emergencies happen. We do have an emergency fund which we save for true emergencies, but it keeps draining down and it's hard to build back up. So that's why we try to keep our mortgage low, and on a 15 year fixed that we are working to pay off somewhat ahead of schedule.[/quote]
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