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You’re doing a great job, you’ll get there soon enough. Don’t know how often you eat out but cooking more at home, over time, can be an extra saving potential. However Could be a little less now, since inflation is rampant, but might be worth checking out.
Have done, I rarely eat out and keep to a strict budget, work over time when do can
I'm just impatient and frustrated with the property market lol
You don’t need 20% for a down payment… what market and price range are you looking at? PMI is not a significant cost if you have good credit, mine is less than $100 a month. The additional $79k I didn’t have to our down gives me a lot of comfort and security
What does $100K represent?
If that’s down payment money, and in the meantime you are renting, it might make sense to put less than 20% down and get a HELOC for the difference to avoid PMI…”buy now Save later” I call that one! then your best “savings”vehicle would be pre-paying that HELOC down quickly…if your in a spot where your rent is increasing and it’ll take more than a year to save that additional $30K…it’s definitely something you should explore…because if your renting and your landlord is like mine, it’s nearly impossible to save anything! Double digit rent increase this year!
Here in US, it’s possible to put less than 20% down and avoid PMI by taking a Home Equity Line of Credit (interest only variable 2nd loan)