Buy In Bulk and Save Your Down Payment

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There are so many ways to save money on day to day items that we know we are going to use, paper towels, trash bags, toilet paper, soap, cleaning products and so much more. In addition to searching for money saving coupons you could also consider buying these essentials in bulk and using the savings towards your home down payment.

Buy Your Essentials In Bulk

You might be wondering where the advantage is in buying your essential items in bulk, but there are some practical reasons why this works. First, you need not worry about running out of an essential item - you will always have your items at hand. Purchasing items in large quantities almost always guarantees a lower unit price, you pay less per "piece" than you would buying them in "singles" - check the prices carefully before buying bulk items and make sure you're getting what you're paying for. Buying items in bulk not only helps ensure you won't run out, but you're going to save more money than you might have thought since you'll make fewer trips to the store to buy them than if you were buying in singles. All of these things combine with saving money on the items and allows you to watch your home down payment savings grow even faster.

Practical Matters of Bulk Purchases

Not every item is sensible to purchase in bulk, but there are some very easy ways to decide what you should and should not buy in bulk. Those items that you do buy in bulk will help you save money, but if you fail to properly plan you can wind up costing yourself more money.

Toilet Paper - Bulk Money Savings

We all know that our families are going to use toilet paper daily. Buying toilet paper in bulk is sensible regardless of whether you're going to use one roll a day or one roll a week. In the long run, the savings from buying bulk sized toilet paper will help you grow your house down payment savings even faster.

Save Money on Paper Towels

Paper towels are always an expendable item when you're working on saving money for your home down payment. While buying them in bulk will help you save more money towards your house down payment, there are many ways to replace paper towels in your home and save even more money. Consider items such as Handi-Wipes(R) that can also be purchased in bulk but can be rinsed out and re-used. However, if you must buy paper towels, simply purchasing them in bulk will help your home down payment grow. For more information on how to save money with paper towels, you may wish to check out our top 10 ways to save money, tip 2.

Frugal Savings on Trash Bags

Trash bags are another expendable item when you're trying to save money for your first house This is even more true if you are using paper grocery sacks (which help the environment) and then re-use them for getting rid of trash. This would allow you to save even more money towards your home down payment without contributing to environmental concerns. Want more tips on saving money and helping the environment. You may wish to check out our article all about saving money the green way.

Shampoo Money Savings

Many manufacturers offer bulk sized shampoos and conditioners that can be bought in containers that range from quart sized to gallon sizes. By using a pump or even saving a smaller bottle you can easily purchase shampoo in bulk sizes and save a lot of money.

Bath Soap

Even if you and your family only use one or two bars of soap on a weekly basis, buying larger packages (18 or 24 bars) can save you a lot of money over time that can be put towards your home down payment. Consider the possibility of opening up one end of the bar packaging as well since a harder bar of soap will last longer in the bath and shower - amplifying your savings even more.

There are hundreds of more products that you can consider purchasing in bulk to save money. Look around your house for every day items such as bath soap, shampoo, dish soap, tissues and more. Since all of our families use these items on a regular basis, they're a great option for items to purchase in bulk and the added benefit of being able to save for your first house.

Storing Bulk Items

So you're making bulk purchases for savings purposes and now the big question is where to store all these bulk purchases? This can be an issue for those of us who live in apartments and often have little "extra" space for storing. There are some easy fixes to these problems though that can help protect your bulk items from water, dampness and even from your pets!


If you have a closet that you can clean out and use strictly for storage you can definitely take advantage of bulk purchases. Storing these purchases systematically in a closet means that they're easy to find and everyone in the family can access them easily. This is a great way to utilize space and still take advantage of money savings using bulk purchasing.

Stand alone Cupboards

Sometimes when you're trying to save money for a home down payment you might have to spend a few dollars to help you save even more. Check out some of your local home building stores and see if you can find a large stand alone cupboard to store your bulk purchases in if you don't have a spare closet or room in your apartment. Even if you have to spend some money to save money towards your home down payment, the cost savings in the long run will far outweigh any expenditure you might need to make.

There are hundreds of various ways that you can make bulk purchases work for you and your family. When you decide to purchase in bulk, price out the size of the product you normally buy and determine how many you'd have to purchase to equal your bulk size purchase and see what the savings really is and add that to your home loan savings account. You might be surprised to see how quickly these savings will add up!

This article is written by guest author Doreen Martel exclusively for Save For House.

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