A chart can be found here for different options on making a larger down payment to receive a lower funding fee. 

I like to start with a comparison chart to come up to speed.

What is this chart thing you have here ?

To be more precise.

There are many analysis, charts out there.

As a lifelong learner (autodidactic polymath, to be precise) who has been involved in a wide range of businesses, I've picked up a lot of tricks along the way and it seems a shame not to pass them along, especially if it cuts down on my time demands.

Budgeting can be done against your chart of accounts as it stands, But you may wish to ask your Accountant if adding accounts to it for Provisions" will help you.

Soon after all of this, my department reorganized our org chart and added another management position opportunity. 

Also theres huge benefit in term of taxes, the more LLC you have the more you spend the more expenses you right off.Theres also a better and common way to protecting your asset by having a parent LLC from Wyoming or Nevada owning all of your LLC, reason for that is those 2 states have tougher laws to penatrate during a lawsuit, but dont quote me on it.That's not precisely true, you may need to file a foreign certificate, but you don't need to form a local entity.Lots of good advice in this thread, lots of bad advice too.

Home price is no longer driven by income level.As of price in UK compare to US I will send you one different chart  later lol