Home Savings Without Sacrifice
It Starts With A Plan
It Starts With A Plan
Let’s cut through the noise: you don’t have to swear off small joys (like your daily latte) to save for your first or next home. My clients have come from all walks of life to make homeownership a reality—without losing what makes life sweet. The secret is to understand the following:
What’s a Down Payment, Really?
No, you don’t need 20%. In Wisconsin, most first-time buyers put down 3–15.9%:
$225k home = $6,750–$35,775
Add ~2–4% for closing costs
Start Small. Start Now.
Automate savings. Set up a monthly transfer to a dedicated account—no stress.
Side gigs & windfalls. Tax refunds and extra income go further when you set them aside early.
Employer programs. Some local companies offer homebuyer perks or bonuses—always ask.
Money Mindset Shift
It’s not about perfection—just progress.
Tracking small wins (like credit card pay-offs or an extra $100 saved), matters.
No question is “dumb”—I promise. Just ask!
Favorite Free Tools
Know your budget, your monthly expenses should not exceed your monthly income—you can use an app, Excel sheet, or simply write it down
High Yield Savings Accounts: Ally, Barclays, BMO Alto, SoFi, etc.
Grab my FREE practical, encouraging, and designed to walk you through Home Buyer Savings Guide Worksheet to help you get started. Download it here and start your savings journey today.
Final Thought
Don’t compare your journey to anyone else’s. Your timeline is valid—and you’ve got this. Small steps add up to big dreams.
If you’re ready to chat about your own plan, just reach out. I’m here for no-pressure advice, every step of the way.