we bought ours for $45k in late 98 and mid last year we took out a heloc on the equity in the house so we could pay off the mortgage...basically the heloc was a 5 year loan paid bi weekly whereas the mortgage was a 30 year paid monthly...much less interest this way & we'll get it paid off just that much quicker. I think last year we pulled in like 49k between my wife & myself and we're doing just fine. But you need a budget...these $300k homes we cant afford there is no way in hell which really sux