Live within your means, an old saying, is what one is religiously expected to follow.
In reality, this is not implemented all the time and it is evident from the statistics which tell us about innumerable mortgage delinquencies. How then will you avoid deviating from the “old saying”?
Effective money management skills are called for.
Mortgage loan calculators can be of good help along with judicious spending habits. (please take note of the combination)