I hear this refrain all the time from buyers that cant seem to save up for a down payment or are always strapped for cash.

Cancel your newspaper, save about $4.00 per week or $200 per year.

Put in subscriptions for your favorite magazines instead of buying them in the supermarket, Save $3 to $4 per magazine per issue, assume you buy 5 magazines per month at $3.50 saving per magazine that's another $200 per year

Cancel the Gym membership and go for a walk instead, $30 per month 360 per year.

Cut out Starbucks or insert your favorite coffee location, tall skinny latte with a shot is about $4.00 with one per day that's over $1400 per year and we all know that often we add the cookie, pastry, juice or whatever.

Cut the bottled water form the convenience store and buy in bulk at Costco, Save over $1 per liter bottle, 2 per day comes to a further $700.

Brown bag your lunch 4 days per week, at about $10 per lunch that's $2000 per year

These few items save you over $4800 per year.

or a 3.5% FHA down payment on a $130,000 house.

All without changing your standard of living or making big changes to your life.