Our combined income is about 140K, property tax in the area we like is around 5k-6k. This is how we budget it:
take home pay around 7000/month (after all tax, 401k..)
We have 2 young kids in day care (1600/m)
so we have about 5400 left each month for everything else. That's why we feel mortgage under 2500 a month is convenient for us. But friends think we can spend 3000+ a month on mortgage, don't expect to save anything for another 5 yrs till kids go to elementary. And that's how some of my friends who earn less than we are buying. They said they may not have any money left at month end, no vacation but they have a bigger house with potential to appreciate more.
I know our financial situation are pretty common,is this how most people are thinking?
take home pay around 7000/month (after all tax, 401k..)
We have 2 young kids in day care (1600/m)
so we have about 5400 left each month for everything else. That's why we feel mortgage under 2500 a month is convenient for us. But friends think we can spend 3000+ a month on mortgage, don't expect to save anything for another 5 yrs till kids go to elementary. And that's how some of my friends who earn less than we are buying. They said they may not have any money left at month end, no vacation but they have a bigger house with potential to appreciate more.
I know our financial situation are pretty common,is this how most people are thinking?
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