祝贺你! You finally found the house or car of your dreams, 和 now it is time to put a down payment on it. 当你为你的首付款存钱时, make sure to give yourself plenty of time 和 get creative with saving solutions, 因为这会让你的目标更容易实现. Below are four tips to start saving for a down payment 和 turning your dreams into a reality!
- 取消那些你不需要的订阅. In the age of streaming, we pay for lots of services, some of which we might not even use. Go through your monthly subscriptions 和 get rid of the ones that you think you could do without. 即使你不是百分百确定, if you find that you want something on that service in a few months, 你随时可以再次得到服务. 通过取消这些每月订阅, you are saving some money that could go towards a down payment.
- 卖掉你的旧物品. There is a good chance that you have at least $100 worth of items lying around your house that you do not use. To make some easy money, sell those items on sites such as 脸谱网 Marketplace or Poshmark. Not only will you earn money towards your savings 和 down payment, 但你也会整理和组织!
- 制定预算计划. If you have a specific thing you want or an idea of how much something would cost, 清点你的开支, 和 make a game plan for how you are going to save for it. You can do this the old-fashioned way with pen 和 paper or use an app. If you have a plan for how you are going to save for a down payment, you are more likely to do so. Not sure where to start, try to do a week every month where you don't purchase any impulse items.
- Put a little bit of each paycheck towards your savings into a high-yield account. Every time you get paid, set a specific amount aside to put towards saving for a down payment. Choose to save in a high-yield savings or checking account so that your money works for you 和 helps you reach your goal faster. 如果你开始得早, you will have plenty of money saved up to make those big purchases a piece of cake!
When it comes to needing a down payment, Arbor Financial Credit Union is here to help. 在我们的网站上，你可以找到各种各样的 金融计算器 看看你每个月要还多少钱. We also have many high-yield accounts to choose from, like our 动力检查 和 总理储蓄 账户. Not only is our website designed to make the financial processes more effortless, but our friendly staff is also always here to help 和 answer any questions you may have. 使用这些建议开始储蓄，今天就能得到更多!
