Let's say you and your partner go out to each weekly and spend $100 per dinner. That's $5,000 a year. Cutting this entirely lets you have a loan a little less t

Let's say you and your partner go out to each weekly and spend $100 per dinner. That's $5,000 a year. Cutting this entirely lets you have a loan a little less than $100,000 larger at a 6% rate. This is a case of eating out a lot, cutting it entirely and the effect doesn't even cover the amount a typical home has appreciated by in the past five years.