Non-mortgage debt is at the highest level in nearly a decade, and 81% of the increase over the last four years has come from auto-related debt. Now, don’t misunderstand, there’s nothing wrong with a new car. But, as you make purchases, keep in mind that your overall debt level (or, more specifically, your monthly out-of-pocket expense for the non-mortgage debt you’re carrying) can impact how much mortgage you can afford. So, if you’re thinking about buying a new home, think extra carefully before you take on any additional debt.