Set a clear home price target
Estimate your down payment goal
Add closing costs and moving costs to your target
Open a separate high-yield savings account for the house fund
Set up automatic transfers from each paycheck
Create a monthly savings budget
Cut nonessential spending
Reduce high-interest debt
Increase income with overtime, freelance work, or a side job
Save windfalls like bonuses, tax refunds, and gifts
Track your progress monthly
Improve your credit score
Avoid new large debts
Research first-time homebuyer programs
Keep your emergency fund separate
Review and adjust your savings plan regularly