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Step 4: PREPARING A HOUSEHOLD BUDGET

Now that you have decided to buy a home, the next step is to consider how much you can afford. To do this, you need to prepare a budget of all of your monthly expenses. When you do this, you have to take into consideration all of the costs that are involved with owning and maintaining a home. Underestimating the monthly expense to own a home can cause a lot of stress and is a financial headache. There aren’t many things worse than being “house poor”. That is to say, spending so much of your income on housing-related expenses that you struggle to meet other financial obligations. The good news is that you can avoid this by planning ahead and preparing a household budget.

A household budget is something you should use every month.

A household budget will help you do the following:

  • Preparing a Household Budget know what price of home you should be looking to buy (i.e. know what you can afford),
  • see where you spend money,
  • see where you can save,
  • find ways to spend less money, and
  • make a plan for how to spend and save your money.

Preparing a Household Budget

A household budget is a great tool that helps you plan and keep track of how and when you are spending your money.

Start preparing a household budget by gathering your paystubs, bills and bank statements. Take a good look at how you spend your money besides your monthly bills. Do you buy a cup of coffee every day? Do you take your lunch to work or do you eat out for lunch? How much of your TV bill is made up of optional pay-per-view services? When you pay with cash, what are you spending it on? Do you keep receipts?

When you have gathered your paystubs, bills and bank statements, do the following:

  • List all current, regular, net monthly income for your household.
  • Net income is your take home money, so make sure to account for all of the items that are deducted from your pay checks.
  • List all current monthly bills.
  • List all of your optional spending items.
  • List how much money you put into savings.

Here is a budget template in excel that has been modified for Arizona first time home buyers that you can use.

Budget to Actual Review

After you set your budget, you should review your actual expenses at the end of the month, you will be able to analyze whether or not your budget was realistic. You may need to go back and adjust your budget accordingly.

A budget to actual review identifies where you are wasting money and helps you discover opportunities to save. You can use this information to take action to fix your bad spending habits. By taking action, your budget becomes more accurate.

Follow these steps:

  • If you have accounted for all of your expenses, including your savings, the difference between your projected and actual balance should be $0.00.
  • If you come up with a positive number, you may want to consider allocating the extra money toward your debt and/or savings.
  • If you come up with a negative number, you are spending more than you make. Review your budget thoroughly to examine where you can trim your expenses.

Why You Should Save Money

Let’s face it, it can be hard to save money. This is especially true when your expenses go up and your income does not. This is another reason why preparing a household budget is so important when you buy a home. You have to know how you can save money.

You should have money saved for the following:

  • Emergencies – You need to have money for emergencies. No matter how good your budget is, we all have unplanned emergency expenses from time to time.
  • Job Changes – If you have to (or choose to) change jobs, you could have a gap in income. This includes if you are at the same job, but your hours (normal or overtime) decrease. You should have money set aside for times when your income is lower than expected.
  • Expensive things – Sometimes, we have to pay for expensive things like appliances or major repairs. If you have money saved, you will have more choices as to what you want to buy and you won’t have to go into debt.
  • Life goals – Plan and save for your major goals and bucket list items.

It is Expensive to Be House Poor

What does that mean?

If you live paycheck to paycheck and start to stretch beyond you means you find yourself paying late fees, deposits on utility accounts and re-connection fees. If your credit score drops, you will find that your cost for some services like auto insurance could go up. What’s more, your credit cards may charge you higher interest rates and cut your credit limits.

Here is some friendly advice:

  • Try not to use your credit cards. If you have to then pay them off as soon as possible or keep the balance below 30% of the credit limit.
  • Pay your bills when they are due. That way, you will not owe late fees or other charges.
  • Keep the money you are saving separate from the money you spend.

Legal Disclaimer

This home buyer series is intended to provide general information regarding the process of how to buy a house in Arizona. It is not intended to provide buyers with legal, accounting or financial advice. You are advised to seek the services of a skilled professional this those fields.

Additionally, this home buyer series does not set forth all qualification criteria for any of the loans described herein; all interested persons must successfully meet qualification criteria and complete the application process to obtain such loans.

HOMES WE CAN HELP YOU FINANCE

$355,000
2 Beds ⋅ 3 Baths ⋅ 7061810 MLS ⋅ 1,100 SqFt.
Welcome to this beautiful 2-bathroom home in the desirable Villagio at Tempe community. The open great-room floor plan features a spacious kitchen and comfortable living area. Both bedrooms include generous walk-in closets, and the home also offers convenient inside laundry. Ideally located near the Loop 101 and 202 freeways, ASU and Tempe Marketplace. This well-maintained property combines comfortable living, attractive community amenities, and highly convenient Tempe location.

2402 E 5th Street Unit 1555, Tempe
$327,500
3 Beds ⋅ 2 Baths ⋅ 7061734 MLS ⋅ 1,385 SqFt.
**BRAND NEW A/C installed in July 2025!** Enjoy peace of mind knowing this high-efficiency system is only one year old and comes with a transferable warranty for the new owner. Welcome to this beautifully maintained home in the highly sought-after **Augusta Ranch** community, where comfort, convenience, and lifestyle come together. Perfectly situated close to the neighborhood's sparkling community pool, you'll enjoy resort-style amenities practically right outside your door. Inside, you'll find an inviting open-concept floor plan designed for both everyday living and effortless entertaining. The great room flows seamlessly into the kitchen, creating a bright and welcoming atmosphere. The kitchen is equipped with sleek stainless steel appliances, generous counter space, and excellent sightlines to the main living areas, making it ideal for hosting family and friends. One of the home's most striking architectural features is the stunning industrial-style spiral staircase, which leads to an expansive loft. Whether you're looking for a home office, game room, media space, workout area, or additional living room, this versatile loft offers endless possibilities. The thoughtfully designed split-level floor plan provides exceptional functionality. The private primary suite is conveniently located on the first floor with easy access from both the front entry and the attached two-car garage. The laundry room is also located on the first level, adding to the home's everyday convenience. Upstairs, you'll find two additional bedrooms, a full bathroom, and the main living spaces, offering an ideal layout for families or guests. Located just steps from the community pool, this home also backs up the incredible Augusta Ranch lifestyle with a beautiful tree-lined greenbelt nearby and an elementary school within easy walking distance. The HOA takes care of all front landscaping, giving you more time to enjoy the community and less time worrying about yard maintenance. Families will appreciate being located within an award-winning school district, including a highly regarded elementary school. Augusta Ranch is known for its prime Mesa location with convenient access to both the US-60 and Loop 202, making commuting throughout the Valley quick and easy. You'll also be just minutes from a wide variety of shopping, dining, entertainment, golf, and everyday conveniences. This exceptional home combines a versatile floor plan, beautiful community amenities, low-maintenance living, an unbeatable location, and the added value of a brand-new A/C system. Don't miss your opportunity to own a home in one of Mesa's most desirable neighborhoods!

9233 E Neville Avenue Unit 1147, Mesa
$250,000
2 Beds ⋅ 2 Baths ⋅ 7061417 MLS ⋅ 1,113 SqFt.
Pride of ownership shines throughout this hard-to-find 2-bedroom, 2-bathroom townhome with a 1-car garage in the highly desirable Red Mountain Villas community. This truly move-in-ready home has been extensively updated from top to bottom, including a 1-year-old A/C unit, new luxury vinyl plank flooring throughout, new baseboards, resurfaced kitchen cabinetry, a new single-basin sink with faucet and garbage disposal, and a complete set of brand new black & SS appliances, including the washer and dryer. The spacious primary suite features a beautifully remodeled walk-in shower, with brand-new bathroom vanities currently being installed. Additional upgrades include new lighting and ceiling fans throughout, new backsplash, new toilets, angle stops, and more. Homes in Red Mountain Villas rarely become available making this an exceptional opportunity you won't want to miss. Residents enjoy a beautifully maintained community featuring a heated pool and spa, perfect for year-round relaxation. Enjoy carefree living with HOA-maintained front and back landscaping, making this beautifully maintained home the perfect lock-and-leave residence for winter visitors, seasonal homeowners, or anyone seeking a low-maintenance lifestyle. Conveniently located just minutes from the Loop 202, you'll enjoy quick access to shopping, dining, hospitals, multiple golf courses, miles of scenic hiking and biking trails, and Saguaro Lake--all just 15 minutes away.

1951 N 64th Street Unit 4, Mesa
$298,000
2 Beds ⋅ 2 Baths ⋅ 7061395 MLS ⋅ 1,227 SqFt.
Beautifully maintained end-unit home in a fantastic location within the community! Enjoy added privacy and a short walk to the kids' play area and community pool. The 1-car garage is located directly beneath the home and features private interior stairs leading to all living spaces on the second floor, plus a separate storage area for added convenience. Inside, you'll find a spacious kitchen with cherry cabinetry, a glass-top range, and a refrigerator included. The kitchen opens to a balcony-perfect for enjoying your morning coffee or evening breeze. The generously sized primary suite features a private bath, while the large secondary bedroom has access to a second full bath. Gray wood-look LVP flooring, installed in 2021, add to the home's modern, inviting feel. Great access to 202/60.

1265 S Aaron -- Unit 293, Mesa
$334,900
2 Beds ⋅ 3 Baths ⋅ 7061315 MLS ⋅ 1,200 SqFt.
Welcome home to this desirable CORNER UNIT TOWNHOUSE featuring 2-BEDROOMS, 2.5-BATHS, and 2 PRIVATE ENSUITE BATHROOMS. This OPEN-CONCEPT home showcases TILE & WOOD/LAMINATE flooring throughout and offers a spacious kitchen with MAPLE CABINETRY, GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, and a BREAKFAST BAR--perfect for everyday living and entertaining. Convenient UPSTAIRS LAUNDRY is located near the bedrooms, while the main-level POWDER ROOM adds extra convenience. Relax on your PRIVATE PATIO with an exterior STORAGE ROOM and enjoy the convenience of 1 COVERED PARKING SPACE. Residents also enjoy COMMUNITY POOLS, ASSIGNED PARKING, and beautifully maintained COMMON AREAS with HOA-maintained FRONT LANDSCAPING. Ideally located near SCHOOLS, SHOPPING, RESTAURANTS, PARKS, and MAJOR FREEWAYS. A fantastic opportunity for FIRST-TIME HOME BUYERS, DOWN-SIZERS, or INVESTORS.

1600 N Saba Street Unit 172, Chandler
$339,950
2 Beds ⋅ 2 Baths ⋅ 7061085 MLS ⋅ 1,237 SqFt.
Location, location, location! Don't miss this incredible opportunity to own a single-level townhome in the highly desirable Dana Ranch Villas. Ideally situated less than five minutes from US-60 and just one mile from Village Square at Dana Park, you'll enjoy convenient access to shopping, dining, and entertainment. This freshly painted 2-bedroom, 2-bath home with a 2-car garage features an open, light-filled floor plan with vaulted ceilings, beautiful wood flooring, and new plush carpet in both bedrooms. The spacious kitchen offers ample cabinetry and counter space and includes all appliances, including the refrigerator. The inside laundry room comes complete with a side-by-side washer and dryer for added convenience. Step outside to enjoy your private, fenced backyard with a covered patio, perfect for relaxing or entertaining, as well as a charming front courtyard that adds to the home's welcoming appeal. The beautifully maintained community features lush green landscaping, mature shade trees, and a community pool just a short stroll away. Combining comfort, convenience, and an unbeatable location, this move-in-ready home is one you won't want to miss!

3510 E Hampton Avenue Unit 49, Mesa
$290,000
3 Beds ⋅ 2 Baths ⋅ 7061065 MLS ⋅ 1,368 SqFt.
3 bed, 2 bath property nestled in Ville Monaco! Great location close to restaurants, parks, medical centers, and schools.

5256 S Monaco Drive, Tempe
$260,000
2 Beds ⋅ 2 Baths ⋅ 7061010 MLS ⋅ 1,100 SqFt.
Location, Location, Location! Beautifully remodeled and move-in ready, Offers one of the best locations in the community! Backing to the expansive community lawn and just steps from the sparkling pool, you'll enjoy a resort-style convenience. Ideally situated just minutes from Sloan Park, Arizona State University, shopping, dining, and easy access to the US-60 and Loop 101. Inside, you'll find stylish modern updates throughout, including dual-pane windows, a spacious living area perfect for relaxing or entertaining, and a powder room on the main level. Upstairs features two generously sized bedrooms and and bathroom. The attached exterior storage room houses the laundry area and provides additional storage space.

1500 W Rio Salado Parkway Unit 64, Mesa
$400,000
3 Beds ⋅ 3 Baths ⋅ 7060699 MLS ⋅ 1,623 SqFt.
Awesome Historic Downtown Chandler. Only 2 floorplans like this in the complex! 2 levels - 3bd/ 3 ba-1 bed and full bath downstairs. tons of built ins. Walk to your favorite restaurants, pubs, coffee shops, San Marcos golf course, weekly farmers market, library, shopping, movie theater, Chandler Center for The Arts, & SO much more! End unit with only one shared wall. Spacious kitchen with granite countertops is open to the great room. Main suite features oversized master bath and it's own private cozy balcony! Second bedroom also features it's own private balcony! Relax poolside at the beautiful resort style community pool & spa! Easy access to Loop 202, Loop 101 & 10 min from the booming Price Corridor. 2 car garage has A/C. Can be used as game room -can be garage

123 N Washington Street Unit 7, Chandler
$248,900
2 Beds ⋅ 2 Baths ⋅ 7060675 MLS ⋅ 945 SqFt.
Just Remodeled 2 Bdrm, 2 Bath Townhome with Private Covered Patio, Carport and Community Pool. Gourmet Kitchen with New Quartz Countertops, New Cabinets, Custom Tile Backsplash, New Stainless-Steel Appliances and New Refrigerator. The Kitchen leads out to a Large Great Room with Vaulted Ceiling and Arcadia Door to Access the Covered Patio and Fenced-in Private Backyard. Both Bedrooms have Walk-In Closets and Tile Plank Floors. The Master Bath has Custom Tile Shower, New Cabinets, New Quartz Countertops, New Sinks, and New Plumbing Fixtures. New Paint, New Fans, New Lighting and Plumbing Fixtures Throughout. Laundry is Inside. This is a Well-Maintained Complex with a Community pool and Grassy Areas.

629 N Mesa Drive Unit 27, Mesa
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