No, my income isn't very stable.

Sorry--no points.

Your income is important, but even more important is its stability. Be sure to consider income from all sources, not just your paycheck. Include any pension or separate maintenance funds you receive, as well as dividend income. You want to see income appropriate to your debt level, but don't aim for a certain debt-to-income percentage so much as simply being able to live within your means. You know if you aren't able to do that comfortably.

Total your points!

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