<prompt> Human: My husband and I are looking to buy a house in the next month and I am really struggling with the process. I have about 15-20 saved up more set aside for closing costs and am well within my budget I make 70k and he makes 35k a year, we both save 50 of our incomes between retirement and general savings, and we are hoping to spend under 250k. We are in our late 20s and hope to have kids in the next 3-5 years.I just have such tremendous anxiety over this whole process. I grew up poor, had a house foreclosed on when I was 10, and lived in crappy apartmentspublic housing until I moved out at 17. I have always been extremely frugal to the point of anxiety so obviously a purchase this big is really killing me. I made my husband walk away from a house we loved, in the neighborhood we love, with a great school nearby, because it was above my psychological limit but still within what we could comfortably afford 300k instead of 250k. Weve bid on two houses and lost both because of me and because the limit I set for us is not a competitive amount for our neighborhood.I know the real issue here is my money anxiety. I budget with YNAB so I know what I can afford, and I know 250k is comfortable without being stressful. That said, Im terrified to go over that number in case one of us loses our jobs, and Im always worried the housing market is in a bubble prices have increased 22 in my city in the past two years. Does anyone have any advice for getting over this?  <response>: Would it be less stressful if you thought of it as you were buying the last house you would ever own, instead of the first one?Maybe not, but worth a try. If you buy the right house and you can stay in it indefinitely, you can pay off the loan and not worry about resale; you can just live there.You dont have to buy a house, but lots of people buy them. Usually it works out ok, but it does depend a bit on steady income. 