"Save money for your mortgage down payment by reading our money saving tips and articles."

Pros of Renting Vs. Buying
The Hidden Costs of Owning
Lower Expenses By Eating In
The Personal Finance Journal
Buy A Condominium or House
Down Payment Money In A Jar
Save Serious Money On Clothes
Tax Benefits Of Owning A House
Start A Website For More Income
Buy A Gold Coin To Attract Wealth
Ways To Save Money On Shopping
Saving Money On Your Monthly Rent
The Savers Worst Nightmare Inflation
Lower Your Cell Phone Bill For Savings
Start Saving Your Down Payment Early
Ways To Save Money On The Weekend
Pay Off Your Auto Loan Save On Interest
High Yield Savings Account Down Payment
Using The Internet To Research Your Home
Frugal Savings With Coupons And Discounts
Top 7 Home Loan Rules For 1st Time Buyers
About Your 1st Home Loan Application Process
Understanding Closing Costs On Your 1st Home
Save Money By Eating Free Food At Your Office
Own A Home Now With Down Payment Assistance
Lower Your Cable & Internet Bills For Instant Savings
Keep A Positve Attitude & Buy The House of Your Dreams
Pros of Buying Vs. Renting
The Hidden Costs of Renting
Save Money The Green Way
Save Money On Your Tax Bill
Save Money By Getting Sleep
Get Rid of Extra Stuff For Cash
Saving Up Money By Giving Back
Lower Your Gas Bill & Save Money
Where Should I Buy My First House
Down Payment Savings For Families
Avoiding Vacations For Large Savings
Save Money Pay Off Your Credit Cards
Top Ways To Save Money On Your Pet
Saving Money With Help From A Mentor
Top Ten Effortless Ways To Save Money
Money Savings With Comparison Shopping
Using The Web To Research Your Mortgage
Use The Net To Research 1st Home Repairs
Buying In Bulk To Save Your Down Payment
Get A Weekend Job For Supplemental Income
About Your 1st House Loan Closing Documents
Stop Washing Your Car So Much and Save Cash
Understanding The Math Behind Home Ownership
Avoid The Movies & Build Up Your Down Payment
Finding a First Time Home Buyers Real Estate Agent
Stop Going To Starbucks & Watch Your Bank Account Grow
Workout More Frequently To Improve Your Life & Bank Account

Money Saving Blog

First Time Here? Start Saving Money Today.

Roll of Money Saved For A Down Payment Welcome! This personal finance website is all about saving money, frugality, budgeting, and making more money. It documents my personal quest to save money for my first home mortgage down payment and own my own home. There are four main categories of personal finance tips discussed on this site: frugal savings tips, earning more income, investing, and preparing yourself mentally to save money. Additionally, I discuss general tips and information about home loans, down payments, and renting versus buying a house.

To get started, I recommend reading the following blog posts: Welcome and the Four Main Ways To Save Money.

Save For House is organized around in depth money saving articles which are linked to at the top of this page and also shorter blog posts. To see all pages on the site and the categories to which they belong, you may want to check out our SITE MAP, an excellent way to get familiar with the site and quickly find the topics you are most interested in. Alternately, you may wish to peruse the links at the top of this page and just click around. We all deserve to own our own house and achieve financial freedom and wealth. Start saving money for your down payment today!

My Experience Buying My First Home

After many years of hard work following the money saving tips on this website, I have saved up my down payment. While saving my down payment, I was certain that saving money was the most difficult part of buying a home. You have the money and the rest should be easy, right? Well, not exactly. This section documents a three month journey where my fiancee and I learned a lot of valuable lessons about buying our first home and eventually ended up with our dream home. I'm hoping you can learn from our experiences, making your home buying experience a little smoother, consuming less time and creating far less stress.

My Short Sale Experience
My New Construction Condo Experience
The Appraisal That Saved Us Thousands
We Almost Rushed Into Buying The Wrong House
Trying To Buy A House From A Difficult Seller
I Am Now A Homeowner
Unexpected Homeownership Expenses
My Homeownership Update

New Money Saving Tips For 2011-2012 and Beyond

It's 2012 and while I saved up my down payment and now own my own home, that certainly doesn't mean I stopped saving money. In fact, my wife and I are more focused on saving money than ever. Now that we're homeowners, we have a lot of expenses: mortgage payment, homeowner's association (HOA), property taxes, homeowner's insurance, and so much more. That said, by taking the concepts of frugality, money saving, and money making to the next level, we are making our dreams happen, one day at a time. Thanks for your continued support of Save For House and I sincerely hope you enjoy my money saving tips for 2011 and beyond!

Comparing Auto Insurance Quotes
Lower Your Auto Insurance Payment
Great Auto Insurance Carriers To Compare
Earning Extra Income Online
Exploring Your Freelance Options
Earn Residual Income For Your Down Payment
Cut Your Medical Insurance Expenses
Save Money On Your Dental Insurance
Earn Interest Income From Peer To Peer Lending

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February 4, 2012
Money Saving Tips For 2011-2012 and Beyond

It's been a while since I've updated the money saving blog here on Save For House. However, I've been slowly adding new money saving articles under the new section called Money Saving Tips For 2011-2012 and Beyond. Last year, I added a few new articles about Saving Money on Your Auto Insurance. Today, I uploaded several articles about Earning Extra Income Online. My wife and I have been homeowners for several years now and are saving money just as aggressively as when we saved up our mortgage down payment. Whether you're saving for your down payment or already own your home and are saving for home improvements or just your savings, I sincerely hope these new articles help out. Stay tuned, more great money saving articles are on the way!

November 21, 2010
Learn About First Time Home Buyer Loans While Saving Your Down Payment

If you're reading Save For House, there's a great chance that you're a first time home buyer! Today, I wanted to do a really quick update and share an exciting, new website with you called First Time Home Buyer Loan. As the name implies, this site talks all about home loans for those buying their first home. I'm a particular fan of this site because it's not trying to sell you anything. It's purely an information site to help people out with quality, helpful information. And, if you've been reading Save For House for a while, you know I'm a huge proponent of research and education while saving your down payment.

While you're saving your down payment, why not master the home loan process? This is precisely the premise behind my Top 7 Home Loan Rules, First Home Loan Application Process, and Home Loan Closing Documents articles. Also, why not start meeting with realtors and research the home buying process and properties that pique your interest? Even if you're not ready to buy just yet, the knowledge you learn will truly pay off, trust me! Thanks so much for visiting Save For House and I wish you a happy Thanksgiving and happy holidays!

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September 19, 2010
Our First Two Years of Homeownership

Hey everyone! How's it going? I'm so very excited to be updating Save For House today because it's been almost one full year since my last article. It has been a really busy year and a great one too. I wanted to take some time to update you today on my first two years of homeownership and also how I'm already saving for my next down payment. As you may remember, my wife and I saved very hard for our first down payment and purchased a beautiful condo. Now, we're setting our sights on a single family home (probably a good five or so years from now, but it's never too early to start saving). Read all about my homeownership update!

September 22, 2009
Save For Unexpected Expenses In Addition To Your Down Payment

Hi Everyone! It's been a few months since I've updated Save For House. The last few months have been really great but also a bit stressful. The greatness has been directly proportional to getting married in July and the beautiful home my wife and I recently purchased after saving our down payment for many years. The stress has been directly proportional to a few unexpected expenses that have popped up because of our new home. Today, I decided to write an article all about the unexpected expenses of homeownership. If you've been reading Save For House for a while, you definitely know that I'm a huge proponent of having a large down payment. Today, I'm excited to highlight another critical point: Make sure to save extra money for the unexpected expenses of homeownership while saving up your down payment. This extra money will make your life much easier once you own your own home.

May 16, 2009
Save Your Down Payment With A Second Job

One of the most popular articles on this entire site is my discussion of best weekend jobs. This actually doesn't surprise me at all. Whether your are saving for your down payment or are just trying to save money in general, there is no better way to save than to earn extra income and sock it all away! Just think about it. Every dollar your earn from your primary job gets divided into so many different living expenses. Theoretically, if you're living frugally and earning a nice income, you are able to save 10-20% of your income. Now, let's look at the idea of the second job. All this incremental income has no expenses associated with it (other than taxes). If your second job earns just 5% or 10% of your ordinary job, you suddenly increased your savings by 25-50% using this simple example. If you're like most people and not able to save much from your primary job at all (I'm in this boat these days), the second job could mean the difference between a growing down payment fund and no savings at all!

For all of these reasons, a second weekend job is very enticing. It's so enticing in fact that you need to be very careful to choose the right weekend job carefully. I would like to really underscore this fact because I recently made the mistake of taking on the wrong second job. I'm very hungry right now for more security and money in the bank. Consequently, I jumped at a second job opportunity that is not inline with my core values. I quickly quit the job before even starting, but it was definitely not a good experience from the standpoint of confusing the heck out of the friend that offered me the job. Core to this site, I want you to learn from my mistakes to avoid them yourself. I'm the largest proponent of having a second job out there. It's one of the best ways to save money. You just need to find a second job that aligns perfectly with your core values and allows you to continue to perform well at your first job, your most important focus. Read all about my recent experience taking on a second job.

May 3, 2009
I Am Finally A Homeowner!

It has been a few months since I last updated Save For House. Life has been very hectic, but also rewarding. As mentioned in my last post, I recently got laid off but also was lucky enough to get a new job quickly. (As a side note, I'm starting to see signs of the economy turning. If you're facing economic troubles, hold in there and I wish you the best of luck.) My new job is good, but very strenuous and time consuming. I'm probably working twice as hard for the same pay, but I'm very grateful to be employed during this difficult time when I have a home mortgage to pay. Also, I'm getting married in July so we have been spending a lot of time planning for the wedding, again tons of fun, but a much larger process than I had ever imagined! Over the past few months, I truly hope you have had success in your quest to save up your down payment. While I'm not saving for my down payment anymore because I'm now a homeowner, I have been doing everything possible to save money because now my focus is building up a large reserve fund or "cushion" incase I lose my job again.

If you're still saving your down payment, or perhaps you have it saved up and you're trying to buy a house, today's article is there to provide you a little motivation. Despite a very stressful experience trying to buy our first home, everything ended up perfectly! We bought the condo of our dreams and have been thoroughly enjoying it the last six months. Today, I will wrap up my recent series of articles all about our home buying process with the story of how I am now a homeowner.

January 25, 2009
Don't Buy Your First House From A Difficult Seller - Especially In This Buyer's Market

Happy new year everyone! It has been over a month since I have updated Save For House and really hope the new year is treating you well in your quest to save up your mortgage down payment and purchase your first house. The last few articles have been all about my personal home buying experience. I'm now living in my new house and everything worked out perfectly. However, must admit it was a crazy experience. Today's update: My experience trying to buy a condo from a very difficult seller. The moral of the story: This is a buyer's market. If you have saved up a large down payment (the overall advice of this site), you have the option to be choosy in this market (and should be). You should get your way.

A interesting, exciting, and scary update in my personal life: I recently got laid off. What a bad thing in this market and economy, especially right after buying my first home and having to pay our monthly mortgage! I have now landed a new job and am much happier with my life. I believe the reason I got lucky and picked up a new job so quickly is I recently purchased a gold coin for luck with some of the extra money I had saved. I truly believe in the power of gold attracting luck and wealth and highly recommend picking up a coin for yourself. This bad economy is horrible and I really hope it passes soon. In the meantime, it's still very possible to buy your first house and make your mortgage payments, and I strongly urge you to follow the tips in the next paragraph.

First and foremost, save up a large down payment (even larger than you need to put down) as a way to give you a buffer should something happen. Second, I suggest working extra hours (even if you don't get immediately paid) as a way to secure your job and prove your worth to the company. Third, think of ways to secure alternate revenue streams, such as starting your own website (like this one). Fourth, continue to educate yourself via books, classes, and challenging yourself. The sharper your skill, the more effective you will be at your job. Best of luck to you and think good thoughts. It is possible to buy a home in this environment and keep it. Even if you get laid off, keep the faith and leverage your network. How did I get a job so quickly (in addition to the luck from my coin)? I have an extensive LinkedIn network and was able to leverage my connections to quickly inquire about new jobs. Crazy times, but we can get through it! I wish you the best of luck and stay determined!

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Save For House Sister Websites

I've done my best at Save For House to stay very focused on the topic of saving money towards your home down payment. I decided to stray from my money saving tips a bit by talking about my personal home buying experience as well because there's no better time to research the complicated home buying process than during your down payment savings journey. By staying focused, I hope to really answer as many questions as possible around these topics and also share my own successes and mistakes. However, I'm a true personal finance guy at heart and just can't get enough on the topic. Moreover, I have found that some adjacent personal finance topics beyond the scope of this site are totally related to saving for your house. As such, below are two really neat sister sites that go beyond down payments and homeownership into other topics, all loosely related under the umbrella of personal finance. I hope you find these sites useful as well in your quest of financial independence and homeownership.

How Much Answers is a broad personal finance website covering the topics of credit, debt, insurance, investing, loans, and financial news. Some of the most popular and highest value articles on that site are around lower auto insurance costs (something that can really help you save for your down payment) and 401k investing (a critical component of everyone's financial future).

Gold Why is all about gold, silver, and copper bullion. As you know from my article about gold coins and luck, I'm a huge proponent of gold, both during your down payment savings journey and after. Gold, in my opinion, is the best anchor of all financial portfolios. One of the top articles on the site and best places to start is the top 10 reasons to buy gold coins. You'll also want to check out the tutorial on how to buy gold on eBay.

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