As you save for a down payment on your dream home, you need to make sure that you are first committed unto it. Saving isn't always easy as it requires a lot of discipline. Now, you can start your saving for the down payment on your dream home by first reducing your expenses. This particularly requires you to give up eating in a fancy restaurant as you often do. Reducing your expenses means eating at home more often than you usually do as well. It may also mean to settle with just renting movies than spending in watching in a theater.
During salary day, you also need to spare some money. It is best that you save it in a bank than just have it in your wallet. If you always have it in your wallet then chances are you might just spend it on something less important. If possible you may also open a bank account especially for it so you never have to mix it when your other budget.
Another thing that you need to do is to actually limit the use of your credit card; as much as possible try to pay everything in cash. If you want something but your budget is not enough then you can save for it. Stop using your credit card for immediate gratification because this may only lead you not to save anything for the down payment of your dream home.
Avoid any unnecessary debt for it may only cause you more trouble. It may also prevent you from purchasing things that really important like your own home.
