Back when we were looking for this house, we were told we could get a loan for $x. I insisted on not getting all we could “afford” yeah, right, a code for how much debt could they get us into.
Found this house for approx 2/3 of what we could pay and now, when I need this the most, the price is absolutely affordable.
If I had to pay 1/3 more, it would have been ...unfortunate.
Actually my harmless little fuzzball would have had to pay 1/3 more for a while, yes?
My conservative nature always purchased less than I could afford which worked well for one who was transferred almost every other year for quite some time. It paid off as I watched peers get in trouble all over the place, and let me retire earlier than most. They on the other hand in trying to look good had to keep working.