Thanks Debbie.
What you guys are saying does make a lot of sense.
As for saving money... I can save and I know we can do it if we set that goal. Last month I had $2500 saved since January because I knew I would need it in April... Government came and took it all at tax time... $1500 my business had to pay in..$1000 personal income tax I had to pay in.
The going rate of the houses in the area we are looking at is about $170K.
We currently pay $860/month renting vs. about $1200 for owning a home locally (according to the bank we talked to) ... on paper it would seem if we could get rid of the credit cards ($600/month payment) we could swing the monthly home owning costs.
I know paper is not always the same as the real deal. I have a excel spread sheet system I use to track our weekly expenses and have been for 2 years now, but I admit I can't always stick to the plan..expenses come up you just don't expect.
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