要看itemized和standard deduction哪个更多才好说是否利息能省税吧，maintenance每个洲不一样，比如我这里每年要reseal porch，新home owner买工具的钱是大头，比如belt sander之类，加起来小几百，要做割草机的maintenace几百刀，新房子搬进去四面白墙，刷油漆，做窗帘，补地下室的小缝隙，杀蚂蚁，冬天做weather proofing，夏天草坪上4个step，杀杂草，有的地区要中和酸碱度，都是钱，说大不不大说小不小的，杂七杂八的大几千刀就没有了。家具几千上万是眼睛看的见的，新房子要自己买冰箱洗衣机，这也是看的见的，accessaries花几千刀都不太看的见的，院子要做那我说不好要多少钱了，反正崭新的比4-5年新的更麻烦更费钱，大家都这样说的，当然住新房子的欢乐是战胜了这些麻烦的。如果两口子又喜欢弄这些的，当然不成问题，如果有小孩那真的要考虑好，无论自己请保姆带还是父母来带都不是便宜的事情。

for 3k monthly mortgage and just starting the mortagage, the interest is definitely higher than the standard deductable, besides LZ does not have any child, so the standard deductable is even less.  Mine has almost 20k interest for only 2/3 of a year last year.  She also has property tax to deductable too. She'd better use itemized deduction.  My current one is brandnew. This is my second house.  My first one is also a brandnew.  I don't see there is too much trouble there for maintening. We painted our house by our own with 6 colors, which only cost us less than 1k, including 20 gallon paint and a 20 feet tall ladder from Lowes. The paint accessaries are nothing in cost. The curtains or blinds may cost a lot, but normally they are about 1% of the house price for blind.  You don't have to buy all the furnitures all at once.  If you really do things that way, you will regret some day later on.  You want to buy the best that fit your whole house style, this, in another way delays the financial pressure.

I don't have to buy all the maintainence tools because I got it from our first house, this is one part that LZ needs to consider if she is buying the first house.  But again, my loan is actually more than LZ, and maintenance power tools range from $100 to several hundred dollors.  Refrigirator is only 1k-2k. I think 5k can cover all.

Things may be a little bit tough for the first 2 years.  But after that you will feel much more comfortable.  And you family income will increase yearly even it is a small amount, but your mortgage won't increase.  There are also chances of refinance which will even lower your mortgage. The only thing I regret in my house hunting is that I did not buy the larger house for my first one.  So I learned and I bought the highest one I can afford the second time. 

food $850 for 8 month? wow..................

wow...............

8个月平均，包括grocery和出去吃，连中午吃食堂都包括的，你是说太多还是太少啊

看怎么贷款了吧，我家的itemized就没 standard高。。。。

房子都买了还是没有refund反而要退回去很多的

就算40万的房子窗帘都要4千那。。。。这个又不能久等。。。。对我这样的新owner来说是很多钱啊

家具就算不要全买巨高级的，主卧总要一套吧，客厅，饭厅，这是起码的吧，另外谁家没个客房，书房呢，估计我太穷了，我觉得还是挺多钱的啊

没小孩可能可以勉强能撑，有小孩就太艰苦了

我已经是很叩门的人了，衣服什么都不买的，家里很多东西还是二手的，很少旅游，结果买了房子钱就再也没攒下来过

供参考吧