I guess then that living within your means is out of the question ?
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I can't feel sorry for stupid people like that ~ I could afford a reasonable house payment yet couldn't get a loan for years and years even though I had excellent credit .
They'd offer me an adjustable loan, that's stupid, they never go down only UP.
I'm glad I didn't have to buy a trailer, I lived in trailers in the 1960's and don't ever want to do that again unless I absolutely have to .