<human>: Can you condense the text into a few key points?

So my SO and I are planning on buying a house. We have been out looking for about a month now and are thinking it would be better if we saved another year and waited till we both got another raise before buying so that we could buy something that won't need as much work as what we have been looking at now.
My motorcycle was stolen in November and I picked myself up a real clunker just to get back on two wheels since i didn't want to be putting a loan on my Credit Report right before we buy a house. But if we are waiting a year would it effect us a year from now when we go to buy a house if I buy myself a newer bike now that would maybe have 200 dollars a month payments? It wouldn't slow down the saving process by that much because our cost of living recently went down and would put me on a much more reliable bike.
<bot>: would financing a motorcycle for say $8000 in the near future, harshly effect me a year from now when i want to buy a house.