If your employer offers direct deposit, have money sent directly to a savings account before you receive your paycheck. The theory here is you won't miss or spend what you don't see or what's already in savings. Plan a budget and stick to it. Write down the items you spend money on. Then examine your list and try to make adjustments you can live with.
Small sacrifices add up to big savings over time.
Before buying your dream house, calculate what you can afford. A general rule of thumb is two to three times your annual household income minus debts. All Rights Reserved.