Re: How did you come up with your down payment?
Just do it...
might be corny, and might not seem that easy, but truth is we tend to spend what we earn, so start small, make it automatic, and just do it.
even if the math says it is a waste of time...10$ a month seems like a waste, but get used to not spending it, then add on either a nice big chunk per month (cutr out a bill, like cable, or reduce a bill, like insurance) or just another 10. get used to that...then add more, you get the idea I hope.
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