10万年薪,又有两个dependants, 每个月到手净收入应该有5000刀以上。40万80%的贷款每个月还贷大约在2200刀左右吧。如果没有车贷,孩子又不送day care, 买50万的房子应该不算financially stretched.
![[em13]](https://emojis.huaren.us/static/emojis/v1/default/em13.gif)
I think the total cash outflow per month will be around $3200-3400 excluding grocery shopping and entertainments.
$2200 is only for mortgage payment with reasonable interest rate
HOA($100-150),
property tax( say $400-500 in big cities)
owner's insurance ($100-150)
utility bills (water, electricity, cable/internet, telephone/cellphones-roughly $200-300)
car insurance ($50-100)
security system ($30-50)
given the fact that lz quoted her monthly eating expense is $600 or so (adding some grocery purchase of $200/month to it), lz's BASIC monthly expenses will be around $4000.
Dunno lz mm's saving pattern or life style, if there's no any other source of income or the 20% of downpay using up the majority of your savings, I'd say the above situation is financially stretched.
![[em01]](https://emojis.huaren.us/static/emojis/v1/default/em01.gif)
![[em01]](https://emojis.huaren.us/static/emojis/v1/default/em01.gif)
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