Here’s a trick I just heard on HGTV:
If you are thinking of moving UP to a bigger house with a higher payment or moving from an apartment to a house, here’s a trick.
Let’s say you are paying $800 per month in rent. You want to buy a house where your payment would total $1200 per month. Trick yourself by setting aside the difference ($400 per month) every month. By doing this, you will be able to “test” your finances to see if you can really afford the higher payment, AND you will be setting aside money towards your down payment!