A home is often the biggest investment most people will make
in a lifetime. Saving for a down payment can be a lengthy and disciplined process. Taking advantage of federal tax incentives and low interest rates are great ways to reach your goal of owning a home. Here are some small ways that can really add up to big savings.
1. Make coffee at home instead of buying a daily brew. Prices on lattes, coffee and espresso have gone through the roof.
1. Make coffee at home instead of buying a daily brew. Prices on lattes, coffee and espresso have gone through the roof.
2. Eat at home instead of going out. When you dine out, consider lunch instead
of dinner and avoid purchasing alcohol at meals.
3. Consider taking on a roommate or smaller apartment to cut down on rent.
4. Eliminate extras like premium cable, expensive DVD rental plans, and
excessive cell phone plans.
5. Use coupons at the grocery store and look for sale items. Shop for groceries
and household cleaners at retailers that offer major discounts on items sold in
bulk.
6. Cancel your overpriced gym membership fee and work out on your own.
7. Program your thermostat so heat is lowered at night or during the day when
occupants are not home. Turn off the lights when you leave a room and use fans
instead of air conditioning to keep your electricity bill low.
8. Carpool to work, buy low octane fuel and avoid taking costly taxis.
9. Purchase generic medications and toiletries instead of brand names,
often,the same active ingredients are used and the items are a lot less
expensive.
10. Pack a sandwich and bring it to work. Work lunches and office take out can
be a drain on your budget.
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