With that disclaimer out of the way, here are some questions I would ask myself as a something thinking through this decision:.
How long do I plan on living in this home? This one is the first question all potential homeowners should ask themselves. Homeownership can be a profitable venture under the right circumstances but rarely if you only live in the house for a short period of time. The majority of your payments go towards interest costs in the first years of paying down your mortgage so years is a good starting point for the minimum length of time in a home.
Anything less than that and you open yourself up to the possibility of selling into a bad market or eating up any equity with switching costs. Could I see this being my forever home? I have a few friends who bought a home when they were bachelors before they settled down and got married.
None of them ended up staying in the house they bought. You might expect to live in the same home until life gets in the way. My wife and I thought our first home could be a forever home until we found out we were having twins and needed more room. How much am I comfortable spending on housing?
The down payment can be a problem in certain housing markets but for most people the monthly outlay is the biggest determinant of how much you can spend on a home. Further Reading: Are U. Houses Becoming Unaffordable? Price sensitivity: What is it and how to calculate it? Create online polls, distribute them using email and multiple other options and start analyzing poll results. Research Edition LivePolls. Features Comparison Qualtrics Explore the list of features that QuestionPro has compared to Qualtrics and learn how you can get more, for less.
SurveyMonkey VisionCritical Medallia. Get real-time analysis for employee satisfaction, engagement, work culture and map your employee experience from onboarding to exit! Collect community feedback and insights from real-time analytics! Create and launch smart mobile surveys! I used lists of foods based on how satiating they are to help me build my new sustainable, healthy and affordable diet. Like many people, I enjoy oatmeal. But, whether out of laziness or convenience, I used to eat single serving packets from a brand name company.
They set me back about 25 cents per packet. That might not sound like much, but when you compare it to buying oatmeal in bulk those cents add up. For example, if you eat three packets for breakfast like me , that sets you back 75 cents and represents about 3. If you buy oatmeal in bulk , however, that same breakfast costs only 25 cents.
Similar reductions in cost can be replicated across many different foods. I buy all my bulk rice, oatmeal, lentils and flour off Amazon and my spending has dropped dramatically. Growing up, when I thought of canned food, I imagined a dusty cylinder of preservative laden mushroom soup that I would only dig out of the pantry if I was really hungry and desperate.
As it turns out, all canned food is not created equal. Just as you can go to a restaurant and make either a healthy or unhealthy choice, you can buy canned food of the Hamburger Helper variety or you can get a can of wild caught salmon that is loaded with protein and healthy omega 3 fats.
Now that almost everything comes in BPA free cans, there is really no reason to be scared of canned foods. In fact, studies show that canned foods have the same nutrient levels as their fresh counterparts. That being the case, when I became determined to reduce my grocery spending, I started by buying canned fish over fresh fish. I also buy canned beans, tuna, sardines, and shellfish. When I am in a hurry and tempted to buy an expensive take out meal, I can now whip something up that is quick and cheap using my canned foods.
This has been a major money saver. I tend to throw things in a pan and hope for the best. That being the case, I am perfectly happy with the flavor and presentation of my canned foods.
One day I stumbled across this article out of the University of California, Berkeley about how frozen vegetables are not necessarily less nutritious than their fresh counterparts. Importantly, frozen veggies tend to be much cheaper than their fresh counterparts. To take just one example, according to the most recent USDA data, a pound of frozen brussels sprouts costs about one dollar less than a pound of fresh brussel sprouts.
They can be a tasty, affordable, healthy side dish in their own right.
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