first what does it cost to live yearly where you are...find a planner either in person or online...how you budget may not be how we budget..there are patio villas with little or no bond. if you have not been here i would off season a couple of months before i would think of buying a home and try for a mortgage..are you a veteran than you can go that route for a mortgage on a preowned
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Do not worry about things you can not change 
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