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How much house can I afford?

What we want and what we can afford may sometimes be a different story. We may want the most expensive lake home in our neighborhood or the log cabin of our dreams, our budget may not be on the same page with us. So, when looking for that next piece of property to purchase, a necessary question to ask is, “How much can I afford?”

According to your monthly payments should not equal more that 36% of your monthly income. This figure doesn’t only factor in your mortgage payment but all payments, like credit card, student loans, car loans etc. Taking on too large of a payment will put a strain on your budget and make other things, like saving for retirement or your kids college education more difficult. Take a look at these articles for more info on helping you determine how much home you can afford for your next purchase:

1.) Bank Rate

2.) Dave Ramsey

3.) Zillow

4.) Consumer Reports

The chore of packing your belongings…


Whether you are moving down the street or out of the state, packing your things can be an exhausting chore. The longer we have been living in our homes, the more stuff we tend to collect. Do you have a basement or attic full of items that you haven’t used or thought about for more than a year? Most of us do, as people we tend to collect “stuff”. The more experiences we have in our life the more stuff, generally accumulates. This is not necessarily a bad thing, however when we are forced to acknowledge it, like when we are making a move can become frustrating. When you’re in the process of moving, the “stuff” can become an overwhelming chore to deal with at the last minute.

Suggestions to help ease this process:

1.) Start decreasing the clutter in anticipation of the upcoming move. If your family plans on making a move in the next 6 months, than you could get a head start on it now by doing a little bit each month.

2.) See if there’s a family member who would like it.

3.) Donate to charity

(Great organizations in Delta County include: Goodwill, Salvation Army, Pregnanacy Services

4.) Prioritize what you really want/need and throw away the rest

5.) Sell items on craigslist, e-bay, facebook,etc

The bottom line is, the sooner you address the mess the easier it will be to clean it up.