make , but do you know how much you spend and where you spend it ? Take a look at where your money has gone over the past 12 months , and make an accurate assessment of your spending habits . Chances are your spending over the last 12 months will give you a good idea of how you will spend in the next 12 months . Do you have different sources of income ( other than your job ) that you rely on ? If so , have there been any changes to those sources in the last 12 months , and do you expect changes in the next 12 ? Once you have an accurate assessment , consider whether you like what you see . If you don ’ t are you willing and able to change it ? Create a budget , and see what you can do to curb unnecessary spending to prepare yourself to meet your goal of home ownership , and to be ready for good stewardship .
Take the ChallengeToday
Your challenge is to take a self assessment : Are You Ready to Buy a Home ? As you approach this test , be as honest as you can with yourself . It is your first step toward reaching your goal , or preparing yourself to achieve it .