If you're going to live in the house make it your goal to just pay off your mortgage.
Just because you can afford it doesn't mean you should buy it.
Be as good to yourself as you are to those you love.
... show respect for your money ... Then your money will think and care about you in return.
Thoughtful financial planning can easily take a backseat to daily life.
Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.