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Kelly S. Jones

Certified Feng Shui, Chinese Astrology and Akashic Record...

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Melanie Mannarino

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Don't Bust Your Budget!

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For many of us, buying a house well above our budget could mean financial ruin down the line. To get your home search started on the right foot, find out what you can afford. Looking at homes before you know your limits can lead to discouragement and frustration—which is not the way you want to start your journey.

Start running the numbers to get an idea of your home-buying budget. Your total debt payments (car payments, student loans, etc.) plus your possible mortgage payment—including principal, interest, taxes and insurance—shouldn’t be more than 40% of your income before taxes.

Make a list of your monthly debt (this doesn’t include things like groceries or gas; just loans and credit cards) and start crunching the numbers. Don’t forget to add in property tax; you can get that information from your county. The usual rule of thumb is to keep all monthly home payments to 28% of your gross monthly income. While you’re crunching these numbers, it’s probably also a good time to check on your credit score, as this will have a lot to do with what kind of mortgage you can get.

Also, look at your cash situation. On top of lining up your down payment (which ideally should be 20% of the price of a house), you should factor in a cash cushion for all the things you’ll have to pay for when you move in and maintain the home.

Once you have these numbers ready, you can look at home prices. Look for a home that costs approximately two and a half times your gross annual salary. If you have higher or lower debt or other obligations, the price of the home you can afford will also have to adjust.

Posted: 7/6/20
julicad111

Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
Testimony:
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.

queencla660

My husband encouraged us to come out of our shell and tell the world about the man behind the medicine that brought us back together after 7 years of separation. He was so astonished by the amazing spell by Dr. Wakina (dr.wakinalovetemple@gmail.com) that reunited our undying love for each other that proved we are sole mate. There has been a barrier between us, we regularly disagrees with each other, argue over unnecessary things and fight almost every week when we were still unmarried. We eventually separated for some months due unsolvable issues before he moved to Italy for 4 years.
Though it might sound impossible to still get hold of your crush for that period of time without any means of communication. I always felt he took my heart away with him because I could not fall in love again and I could not stop thinking about him but I can not be with him. Doc Wakina (dr.wakinalovetemple@gmail.com) proved that nothing relating to love issues is impossible for him; doctor also proved that true love does not die after broking the barriers between us. Days after the spell, he returned unexpectedly to take me along with him. My happiest moment is seeing us live happily for a year without issues before getting married. We are still astonished by the good spiritual work that brought us together forever.

twiladennis

I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.