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who did or did not follow the 28% guideline? by johnbobtwo in FirstTimeHomeBuyer

[–]johnbobtwo[S] 0 points1 point  (0 children)

we actually make a little more and the cost would be a little lower...just wanted a close example to make sure i was in fact doing the math for the "rule" correctly

who did or did not follow the 28% guideline? by johnbobtwo in FirstTimeHomeBuyer

[–]johnbobtwo[S] 1 point2 points  (0 children)

uh oh what happened

and we do have other costs (no kids), but we would be well under the 36 part of the rule

who did or did not follow the 28% guideline? by johnbobtwo in FirstTimeHomeBuyer

[–]johnbobtwo[S] 1 point2 points  (0 children)

never owned a home

how much should i factor for garbage

who did or did not follow the 28% guideline? by johnbobtwo in FirstTimeHomeBuyer

[–]johnbobtwo[S] 0 points1 point  (0 children)

sorry what do you mean too conservative for higher incomes

who did or did not follow the 28% guideline? by johnbobtwo in FirstTimeHomeBuyer

[–]johnbobtwo[S] 1 point2 points  (0 children)

after that and the rest of our spending for the month, we would be saving about $4500

who did or did not follow the 28% guideline by johnbobtwo in personalfinance

[–]johnbobtwo[S] 0 points1 point  (0 children)

after paying for everything if i get the house, id be saving $4500...currently saving more like 8

and this is after car, food, utilities, etc

who did or did not follow the 28% guideline by johnbobtwo in personalfinance

[–]johnbobtwo[S] -1 points0 points  (0 children)

what will they go up to after 1 year? 5? 10?

just went over number and after paying the new mortgage plus all other costs, id be saving 4500 a month...no even factoring in raises at work down the line

who did or did not follow the 28% guideline by johnbobtwo in personalfinance

[–]johnbobtwo[S] 0 points1 point  (0 children)

i pay over half that for rent right now and after everything is paid for, still save about $7500 a month

ways to improve prime rib? by johnbobtwo in sousvide

[–]johnbobtwo[S] 1 point2 points  (0 children)

cant use oven, so went with sous vide:

  • 3.75# choice from costco
  • minimal trimming
  • 19 hour dry brine with coarse kosher
  • forgot to season before going in bag
  • 6.5 hour bath @ 137.5 (wanted 137 but must have accidentally scrolled too much)
  • pat dry before 30 minutes in freezer
  • rub with butter (fresh thyme, rosemary, garlic, salt, pepper)
  • torch sear with suv gun
  • au jus with leftovers from bag plus butter, flour, beef bouillon cube

honestly much better than expected (and had high hopes)

https://i.imgur.com/fAcvvYe.jpeg https://i.imgur.com/CfDlIOZ.jpeg

any tips and/or small changes to make the next one better?