New Car Tax Credit California
September 28th, 2008
Question: do u guys think i can afford this house payment? give me an advice!!?
i make around 3000 a month…my house payment will be $1094.00 with tax and ins total a month with a 30 yr fixed 6.25 rate.i pay 795 for my aparment right now..county is giving me 35k to put as down paymet.i have no debt at all ..no car paymet or credit cards…..what other expenses should i consider….give number figures please….i think i can do it….house it will be about 25 minutes from work small car for work ,,,,this is california estate…..plus we got about 13k in savings,,,,no closing cost is they accepted.
Answer: Maybe, If you live like a frugal monk, keep in mind there will always be unexpected expenses on the house as well as the utilities (the seller and utilities can give you those numbers.)
since you say “we” I presume a spouse is involved. Does your $3000.00 include her income? Would she be able to pick up a local job that wouldn’t require her to have a 2nd vehicle. If you want a rough estimate of what your vehicle costs will be double what you spend on gas.
Subtract all of those numbers from your net income and this will leave your budget for food clothing other expenses and
emergencies. I paid off a 12% – 10 year mortgage in 8 years
it wasn’t easy or fun. PS I did all the repair work on my vehicles and the property.
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