I cannot help it, I really can't . . .I am sooooo extremely tight with money. I don't shop for myself unless it is absolutely necessary, we don't eat out, we budget, etc . . .
Right now my husband is kind of mad at me because I don't agree with purchasing a home in Florida, but ONLY because I do not want to put out the 20%.

I just can't justify it . . .as good as it sounds and how awesome it would be to have a 2nd home in Florida, I just don't want to part with the $$. It took me almost my entire 23 years of marriage to save up money, little at a time, and I can't justify it . . .I'm sooooo

at myself.
We are in Florida at least three times a year (Disney) and when Hub retires in 7 years he wants to be snow birds and live there in the Winter . . .the market is AWESOME right now down there and the house prices are completely doable! Before I found out I needed to put out the 20% I was all for it . . .but now I think I need to reprogram my brain or something.
Ugh!