Set a clear house price target
Estimate your down payment goal
Add closing costs, moving costs, and emergency funds
Open a separate savings account for the house fund
Set automatic transfers from each paycheck
Cut nonessential spending
Reduce housing, transportation, and food costs
Increase income with overtime, freelance work, or a side job
Save windfalls like bonuses, tax refunds, and gifts
Pay off high-interest debt
Improve your credit score
Track spending every month
Use a budget and stick to it
Avoid large purchases before buying a house
Keep your savings in a high-yield account
Review progress regularly and adjust your plan