Whether you’re planning on putting down twenty percent or as little as possible, when buying a home there will still be a down payment upfront costs that every Buyer needs to save for. It can seem like an insurmountable task but it is possible to save a solid chunk of change in as little as year.

Keep Track

Can you account for every penny you spend? If you’re not tracking your spending you’ll have no idea how you can save a little extra. Invest in a budgeting app link Mint to track your income and your expenses. Once you’ve have the scope of your regular spending you can begin to see what areas you can trim and stash in savings.

Save Automatically

Make your savings account a bill and pay it first. If you’re able to set up an automatic allocation from your employer even better.

Ask For Discounts

Are you a military service member, a first responder, teacher, or a student? Many establishments offer discounts for these careers, all you need to do is ask. Many other companies offer discounts depending on your employer. Ask your insurance provider if they can provide a discount for bundled policies as well. Those savings add up every month and you can easily roll them into your savings account.

BYOL

Want to add to your savings account every week? Bring your own lunch and brew your own coffee. Not only is it saving your $10-15 per day, you’ll also make healthier choices.

Snowball

Have your recently paid off a credit card or other debt (also a good goal when planning to buy a house)? Take that payment amount and apply it to your savings. Your budget was able to handle the payment so make it continue work towards your goal.

Ask For Money

There are a multitude of home buyer programs out there. Some local and non-profit organizations also provide no interest loans or grants to first time home buyers, veterans, and disabled people. Take the time to research if any of these options are available to you.