Get rid of baby fat on your lower abs by adding 30 minutes of cardio to your lifestyle at least three times a week; this will help reduce stress, too. Workouts that target core muscles are most effective.
Under its new mortgage-relief plan, the Obama administration is staking a claim that most homeowners facing foreclosure should be able to pay 31 percent of their gross income for a mortgage. Not 50 percent or not 60 percent, as is the case with many strapped homeowners. But 31 percent of income still is a hefty number.
Before you decide what percentage of your income you should use for a mortgage payment, look at it in real numbers. The calculations above use your gross income. This is what lenders use to determine what you can afford. However, you know how much money you bring home every month.