You should buy a house you can afford that Feliz Navidad 2020 Christmas Time shirt of your monthly take home pay based on no more than a 15 year mortgage. That means that if you make $54,000 per year and take home about $4,500 per month, you can’t spend any more than $1,125 on a house including taxes and fees. That is around $165,000 for a house. What?! There isn’t something that cheap out there? Well, then it is time for you to rent. A 15 year loan at 3% for $165,000 ends up with a total of $205,000 paid out. That’s it. Your house will likely be worth more than $205,000 some day too. Now consider that others will have bought a $275,000 house over 30 years and paid the same money but will end up paying $418,000 for that house over 30 years. That house will NEVER be worth what you had to pay for it. You just overpaid by over $200,000 because you didn’t read this answer.
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You should spend no more than 10% of Feliz Navidad 2020 Christmas Time shirt. Ideally, you should pay cash for a car that you can afford. About $10,000 is a good number. But if you can’t do that, then 10% of your take home over 4 years. Use your credit union for a 2.9% rate. On that same $54,000 a year and $4,500 per month that is no more than $450 per month on ALL cars. That is just a little over $20,000 for all cars. Buy cars that are 3 years old and have less than 30,000 miles. If you can’t find what you want then go 5 years and less than 50,000 miles.