time to Seriously save so i can try and buy a house this year and get the $8,000 first time home buyer credit on my taxes next year, and lock in some LOW interest rates.
plan so far.
1- continue to not buy coffee or lunch on the outside. make sure this happens Never.
2- stop going out. instead, go play outside, walk to the library, have friends come over and watch free movies on demand, etc.
3- do not buy alcohol of any kind. not that i buy that much, but that stuff can get expensive, and is basically wasted money.
4- cut back on heat/air conditioning as it applies. this will be a little difficult, considering that i'm worst in the car, but when the heat's on, more gas is used. gas is expensive.
5- go through everything i own and sell anything i do not want or need. even if i only get $1 for something, if i didn't want or need it anyway, why keep it in trade for the dollar? i have some stuff for which i think i can get a halfway decent price. we'll see.
6- get rid of all of the fabric i have in that cupboard by making purses, pillows, whatever, since i already have all the stuff. either sell, or give as gifts when birthdays, etc. roll around so i needn't buy presents.
7- only go to shows if i get in for free.
8- cut coupons.
any other ideas?
i so badly want to buy a house, or a condo at least, and now is such a good time. i am hopeful that i can save up enough cash by Nov 1st at the latest to do this, because you have to close by Dec 1st to get the tax credit.