Pinching pennies usually costs more in the long run in my experience.  

@Penny Clark, which part of this website would I beable to crunch the numbers.

Hi I took realtor class over a couple of weekends then you pass test and have to go under a realtor to activate license.You get a good understanding of real estate.I personally believe in my realtor she has guided me through promblems I didn't see and filled out complex applications for offers.They earn every penny and can have years of valuable experience .

Have not checked to see the criteria for being a credit bureau business member as I am watching my pennies.

Zillow is worth every penny ;)

There worth every penny they charge.  

Hi,Hope to get some help regarding my situation.I just got an accepted offer in jersey city and my inspector copper lines for oil tank in the basement.

@Penny ClarkMuch appreciated...

Q1-Can HOA force enter my condo unit's front door to access my rear patio for some non-urgent maintenance-like inspection, painting or coating?

My 1st move was from an apartment to a home owner was to an affordable house that needed a lot of work, I improved the cosmetic issues but also added value to the home (finished the basement, added a bedroom and a basement) so right off the bat I increased the value of the home and that built instant equity (kind of like a fix and flip, except I didn't flip it instantly I lived in it) Next was to pay off the mortgage, every penny went into the mortgage, you make sacrifices in your life style but at 25 like yourself that wasn't a problem.