New year, new house. That’s the plan, right? But the daily habits that only cost a couple bucks here and there may be doing more damage to your budget than you realize, making it impossible to save for that down payment.
What constitutes “discretional income” varies from person to person and situation to situation—what you have to play with today might be far more than last year, thanks to that raise. When you’re saving for a big-ticket item like a house, discretionary income can re... read more