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How to Buy A Home In Sioux Falls Sooner

Real Estate Agent with Meritus Group Real Estate SD 14808

I want to buy a home in Sioux Falls but I don't have the money for the down payment. I hear this time and again and I am sure you do too. In a world where it seems that everyone has their hand in your pocketbook it is possible to save money if you are just a little creative. So without further adieu I will give you a list of things that you could consider to make the transition to saving easier.


  1. Cut the cable and stuff the dish....how much do you really watch TV? With the use of Netflix, Hulu, Crackle, Youtube and the major networks' own websites you can have all of the streaming content that you would ever want. I canned cable one year ago and haven't missed it...at all. I have saved over $60.00 a month or over $720.00 a year by doing this.

  2. The music lives and the subscription ends. At the same time I canned cable I also canned Rhapsody. I was thinking that this would be painful but I found a free alternative on the internet that also allowed me to create playlists. I saved $10.00 a month or $120.00 a year by doing this. Score.

  3. Shop around for insurance periodically. By doing this last year and going with a company that gave a discount to a group I belonged to I have saved over $40.00 a month or $500.00 a year.

  4. Cook food from scratch and save big ching. By cooking from scratch and not buying convenience food I can afford to actually buy ORGANIC for my family for less then the same cost . I also know what is in my food which is a further savings because it keeps my family healthier. You can eat cheaper but in my opinion this is not something to skimp on...but if you think it is you can save even more.

  5. Food co-ops can also save cash. I buy organic food 1/3 off from what it is in the local grocery store from a food coop called Azure Standard. I also buy meat from a local coop at a savings.

  6. If you want to save further on food you can always grow your own. With a minimum of space you can have a container garden which will keep you in veggies from spring to fall. To further your bounty you can plant a full garden and freeze or can the abundance. Even if you just plant a pot of lettuce you could save $4.00 a week or $16.00 a month during temperate weather. If you plant a whole garden and preserve it you could save considerably more.

  7. Wash in cold. By washing what you can in cold you can save over half of the cost of washing research shows. To save further you can either only wash when you have a full load or you can use the correct size load selector if your machine is so equipped. Hang to dry for further savings.

  8. If you really want to be green with laundry you can get a WonderWash and a spin dryer. I have a good friend that is single and swears by her WonderWash. Here is a link to check out. I know this is not for everyone but it could be workable in certain situations.


  9. Ditch the cleaning products. Invest in a steam cleaner and use the power of steam to save you $$$. If the steam doesn't do it vinegar and water cleans most everything with exception of wood floors, no wax floors and stone surfaces.

  10. You can make your own laundry soap with three simple ingredients if you are interested and it works well. I learned to do this during college when I was raising two kids on my own. The cost of Tide per load was about 20cents and if you use this tip you can get costs down to 2 cents a load.

  11. Believe it or not you can make your own toiletries and save big money. I wash my face with honey. I brush my teeth with baking soda. I use aloe vera gel as the perfect makeup base. I use coconut oil as a moisturizer for lips and skin. You can even wash your hair with baking soda and apple cider vinegar. Everything I use is chemical free, cheap and edible!

  12. Buy it used. This can include cars, clothes, newer appliances, jewelry, furniture, really most anything. Craigslist is a awesome resource for this.

  13. Get it for free. Freecycle is a organization that allows people to list what they have and don't need or ask for what they need. No money exchanges hands, trash stays out of the dump and people are directly helped. What could be better then that?!


  14. Barter with friends. If you need a sitter exchange times with another family that also needs a sitter. If you need a dress for one special occasion just borrow from a friend.

  15. Garage sales are awesome if you can't find something for free or on Craigslist.

  16. Meatless Mondays save me at least 20.00 a month or 250.00 a year.

  17. Drive 55. Leave a little earlier and save big. At 65 mph you're burning 10% more fuel than at 55, according to the American Council for an Energy-Efficient Economy. At 70 you lose 17% of your fuel economy and at 75 it’s 25%. By driving 55 you also dramatically decrease your chances of being in a auto accident.

  18. Proper maintenance of motor vehicles such as changing oil and keeping tires properly inflated also increases gas milage and vehicle life.

  19. Ditch the home phone and save dough. I ditched mine and saved 250.00 a year. If you have a smartphone go to a basic phone or even a tracphone.

  20. Turn up the thermostat to 68, and put on a sweater. Cover the windows with a window treatment for further savings.

  21. If you don't use your internet much you could save by ditching your home internet and just using a smartphone.

  22. Ditch the gym membership when you don't even use it. I join the gym from November to March every year. From April-November I play tennis, road bike, hike, kayak and dog walk. By doing this I save $320.00 a year and I get to hang out with friends.

  23. Pack a lunch to take to work and eat way healthier. By doing this you can conservatively save $5.00 a day and likely over $1200.00 a year.

  24. Buy off season for presents and store it away. If you see something at a super good price snag it and hide it. This way Christmas will be a pleasure and not a burden.

  25. Consolidate loans, ask for discount on credit cards, buy on a cash basis and bank the rest. If you don't have cash you don't buy.


This is just a starter list of ways to save money and to get your mind thinking of other ways. Some of these ideas may work for you and some may not. The important thing is to make little steps to get to your common goal of home ownership. While some of these ideas will not save you huge money individually if you do many of them you will save considerable money. If you have any tried and true money saving ideas I would love it if you would comment too.


Posted by


Rosalie A. Evans                                                                      

HJN Team Real Estate

101 W. 69th St.

Sioux Falls, SD 57108

Cell 605-366-7242







                    visit my site and find a home!

              Selling real estate in the greater Sioux Falls, SD area, including the communities of 

 -Harrisburg-Tea-Worthing-Dell Rapids-Flandreau- Colton-Baltic- Brandon-Canton-Lennox-Trent-Hartford-

                                   -Crooks-Colman-Garretson-Valley Springs- 



Mike Warren
Real Estate - Colorado Springs, CO

Good post, Rosalie. These are great money saving ideas. 

Jan 10, 2013 03:40 PM
Wika Hutchinson
Eugene, OR
Great post Rosalie. I have thinking about canceling my landline, which we barely use.
Jan 10, 2013 03:45 PM
Rosalie Evans
Meritus Group Real Estate - Sioux Falls, SD
The Evans Group, Sioux Falls, SD Homes For Sale

Mike- I went to school full time as a single parent with two kids. I know every money saving tip I think there is! lol


Wika- The landline is a clearly something to cut if you don't use it! 

Jan 10, 2013 03:48 PM
Michael Therriault
Michael Therriault Contracting - M.T. Contracting - Blakeslee, PA
The name to remember when you want it done right.

All great tips for saving money. If someone started doing those as soon as they got out on their own they'd be able to buy their first house much quicker. 

Jan 12, 2013 11:05 AM
Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional
Charles Rutenberg Realty - Clearwater, FL
Palm Harbor, Dunedin, Clearwater, Safety Harbor

These are indeed wonderful ideas on how to save some serious cash!

Jan 13, 2013 05:07 AM
Rosalie Evans
Meritus Group Real Estate - Sioux Falls, SD
The Evans Group, Sioux Falls, SD Homes For Sale

Michael- I sure wish I would have been smarter with my money from the start! I know I didn't really get serious with it until I was in trouble with it! Hindsight and all!



Jan 14, 2013 04:19 AM
Rosalie Evans
Meritus Group Real Estate - Sioux Falls, SD
The Evans Group, Sioux Falls, SD Homes For Sale

Barbara- Thanks I wish I could say that I didn't learn them by necessity but being a single mother raising two daughters it was conserve or starve. When I think of all the money I could have saved when I was younger I almost get sick. On the upside at least I have started now! 

Jan 14, 2013 04:22 AM
Mark Lebkuchner
Warwick, RI
Personal Lines Consultant

Wash your laundry in cold?  Why do we even have the warm / hot setting?  Life is one big scam!!!!!

Mar 24, 2013 09:00 PM