Don't waste your hard earned money!!. Live way below your means and save like a maniac!! Track your expenses and beware of where each and every dollar is going...Cut the expenses..literally..! Don't eat out...Don't buy new clothes..you have already plenty. Don't go to vacation until you save enough for downpayment...Don't go to Starbucks, and etc.. Whenever you see something to buy always ask yourself "Do I really need this? and how much time this purchase will delay my dream which is buying a house?". Drive a cheap paid off car. do not have car payments ever. Delay your current pleasure for the sake of your dream house!!!!