Saving money is not easy, everyone has plenty of bills and not much cash. But if you want to start to get ahead, follow these 5 fundamentals and switch the cash flow momentum from being in debt to being in cash! Being in cash sure sounds like a good thing to me.

I hear this question a lot from my friends, people at school and at work. Well I'm here to give you two fairly simple calculations for trying to calculate how much house you can afford to buy based upon your salary and any money you may put down (a word of advice I am somewhat against using your own funds besides cash from sale of a previous home or business, cash gifts from parents or whomever and there is a few other good reasons we'll probably talk about this in another post).