 because if something happens it's all on you so that's the first thing that i would beef up and that's going to make you feel better second thing i beef up is if you buy this house your life what it takes to keep your life going also goes up slightly so if you really want to feel great about this you'd kind of project it out and say okay if i get this house for 280 000 or for 300 000 what's my mortgage going to be what's my life going to look like and what really what would six months be of that lifestyle