Budget like a Boss
Get your money mortgage-ready, one month at a time.
Income
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Take-home pay this month: what actually hits your account.
Spending
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Set a plan for each category, then fill in what you actually spent.
Credit cards
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How much of your limits you're using affects your credit score. Under 30% is good; under 10% is even better.
Loans & other debt
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Car notes, student loans, personal loans. Track your payoff progress.
Mortgage-ready check
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Lenders compare your monthly debt payments to your income before taxes. This is called your debt-to-income ratio (DTI).
Not sure what to put for the home payment? Text me and I'll connect you with a lender for a real estimate.
Savings goals
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Your Home Fund covers your down payment, closing costs, and a cushion for after you move in.
Boss money tips
Pay your Home Fund first
Set up an automatic transfer on payday into a separate savings account. Money you don't see is money you don't spend.
Use 50/30/20 as a starting point
About 50% for needs, 30% for wants, and 20% for savings and debt payoff. Adjust it to your life; the point is having a plan.
Build a starter cushion
Aim for at least $1,000 for emergencies, then grow toward a few months of expenses. Homeownership comes with surprises.
Pay down cards before you apply
Lower balances can raise your score and lower your DTI at the same time. Pay more than the minimum on the highest interest card first.
Freeze new credit
Once you're getting ready to buy, hold off on new cards, car loans, and furniture financing until after closing.
Keep a little fun money
A budget with zero room for joy doesn't last. Plan for it so you can enjoy it without guilt.
Numbers looking good?
Whether you're ready now or a few months out, let's map out your path to keys together.
Schedule a consultation