Our House Fund - THE PLAN

After Harrison was born we realized how important it is to start saving for our families future. A house wasn't just a dream for Kyle and myself anymore but a dream for our son and future children. But how do you save for a home when you make little money and when you have medical debt and student loan debt? Most people would say you should pay off your debt first. Which probably works for most people but after much discussion we have decided this is not the route we want to take. We are sick of paying rent and having it go towards nothing. The rent we pay would be more than most mortgages because of the area we live in. Our dream is to pay for our home in cash, that way we aren't piling on more debt. Whether this dream is obtainable on our income is yet to be determined.

Here is our plan for saving money towards a home. As time goes on I am sure the plan will be adjusted but here is our first attempt.

(Our dream is to own a cheery yellow home similar to the one above)
 Beautiful Photo Originated From Here

Saving Up for A Home - The Plan

1. Sell what we don't need. Our house is full of clutter ranging from clothing that no longer fits us that books we will never read again. Over the next year we will be using Ebay, Craigslist, Garage Sales and Facebook Groups to earn a little money towards our future home.

2. Pick up those Cans! We live in NY State which has a bottle deposit. So for every can or bottle we return we earn 5 cents! Okay 5 cents doesn't seem like much but eventually they will add up.

3. Odd Jobs. We are going to put the word out that we can help people with odd jobs from pet sitting, mowing lawns to moving. For a small amount of our time we can add a little bit more money to our house fund.

4. Sell Baked Goods. I enjoy baking so I will most likely sell bake goods around the holidays.

5. Change Jar. Oh yeah we are saving every penny we find and putting it towards our future home. Often times people see change on the ground and walk past it. We intend to pick up every single penny we see to put towards our goal.

6. Couponing. For every $1 off coupon that I have for something I actually use I will put $1 in the house fund. 

7. Educate Ourselves. There are several classes out there that educate first time buyers. By educating ourselves hopefully we can save money in the long run.