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d d è Hi, welcome to Best Cash Cow dot com, I’m Lynne Ashminov. Today, we’re going
to take a look at buying a home. One of the most important steps in this process is understanding
how much home you can afford to buy. Lot’s of homeowners have gotten in trouble
over the past 10 years by buying too much home and relying on exotic mortgages and constant
refinancing to keep their heads above water. While that can work in a rising market, as
we’ve seen it can be disastrous in a falling housing market.
First, make a budget. List your income and expenses. How much are you currently paying
for your mortgage or rent? How much cash is left over? How much more can you afford to
spend? Make sure you are conservative and account for hidden costs. Owning a home is
costly and homeowners are often surprised at what’s needed to cover maintenance and
repairs. Make sure you include taxes and insurance, and budget for both of those items to increase
every year. If you’re just covering your costs every month, you may be buying a home
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