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jughead1986
Member since: April 2009
Total Contributions: 1
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Main thing to focus on is DTI (debt to income). You figure this by taking your gross monthly income (income before taxes) and after totaling all expenses (gas, utilities, vehicle main., car payment, groceries, etc.) divide the balance of the bills against the gross income. DO NOT go over 60% per month. If you stay under the 60% per month you should be fine. Additionally, If you use this rule before getting a new loan/credit card then you can better gauge the actual payability of the bill on your part. If it increase your DTI to 80% then there is a strong chance something WILL go into default. Keep this in mind.
Comment posted 2 years ago
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