Normal
We figured out what we could afford for a housepayment, cut that in half, bought a home that makes us happy without a built in pool outside of the city and bank that extra we would spend on a houspayment and do a few cruises a year. If times get tight, we cut back to 1 or 2 and still have very affordable housing. Since our home is 3 bedroom instead of 6 we also save on heat, electric and upkeep.
