#### EMTDAD

**NES Member**

You're basically making ~$35k and probably paying $5k in taxes (really rough math here). That's $2500/mo after tax. About $2200/yr in property taxes, that's $185/mo. Heat, electric, and hot water - let's call that $115/mo. Let's say no down payment, 30yr fixed @ 4.75% with no PMI = $511/mo. Let's say insurance is $89/mo tomake the math easy.

Right there you're down to $1600/mo. Then subtract gas for your car ($200/mo), groceries ($200/mo), car insurance ($100/mo)... I'd suggest you start thinking about retirement as early as possible, maybe $100/mo you put away? That leaves you with $1000/mo for yourself, which isn't really as much as it sounds - go out with some buddies, drop $100; car needs a new starter, drop $150; various shit adds up quickly.

I'd say it's possible but would require patience and self-discipline. Also, don't go solely with my random numbers here - do the math on your own.

Exactly what K did here.. make a budget.. Vertex42.com has lots of free Excel sheets to help with personal finance... see what you can reasonably afford. Forget the online "what can I afford" calculators, as they typically use too little info and overestimate what you can reasonably do. Remember that costs fluctuate so leave some wiggle room to account for that.