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Daily Expenses to Cut That Help Increase Your Down Payment Amount
When it comes time to buy a house you have to have a sizeable down payment to qualify for a mortgage. The days of 100% financing are gone, and while there are some programs that require as little as 3% down for first time home buyers some programs require as much as 20% down.
 
Even at just 3% down, on a $500,000 house that is $15,000 and then when you add in reserves and closing costs, it requires that you have a nice amount saved up. One of the easiest ways to speed up the saving process is to eliminate unnecessary spending from your daily life.
 
Even just cutting out $20 a day can put an extra $6,000 a year into your home fund. There are a lot of ways to eliminate costs that won’t impact the quality of your life. In fact, some spending cuts will actually contribute to a healthier lifestyle.
 
Expensive fancy coffee.
 
When is the last time you had an overpriced coffee at a place like Starbucks? “There are some people that make a stop at Starbucks part of their morning routine. Some of these drinks can cost anywhere from $5 to $8 each, and then when you have multiple a ... more

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