Budgeting Hacks for First-Time Homebuyers

Saving for your first home? Here’s how to stretch your $$ further and make homeownership happen sooner!

Know Your Numbers
Before anything else, work out your budget!
✅ Track your income & expenses
✅ Figure out how much you really need for a deposit
✅ Get pre-approved so you have a clear savings goal

Automate Your Savings
Make saving effortless by:
🔄 Setting up an automatic transfer to your home fund
🏦 Using a separate account (out of sight, out of mind!)
🎯 Treating savings like a non-negotiable bill

Cut Back on "Invisible" Spending
Tiny expenses add up fast! Try:
☕ Swapping out daily café coffee for a homemade brew
🍽️ Limiting takeaway meals to once a week
📺 Reviewing subscriptions—are you really watching all those streaming services?

Boost Your Income
Got skills or time? Use them!
💼 Freelance or side hustle
👚 Sell unused clothes & gadgets
🎯 Ask for a pay review or extra hours

Use KiwiSaver
💡 Did you know? You may be able to use your KiwiSaver to boost your deposit!
Be Smart With Debt
💳 Avoid new loans or buy-now-pay-later services if you can—banks don’t love that!
💰 Pay off high-interest debt first (credit cards, personal loans)
🚦 Keep your spending habits in check—banks will review them!

Keep Your Eye on the Prize 🎯
Saving for a home isn’t about giving up everything—it’s about smart choices.
📅 Set milestones to stay motivated
💡 Celebrate small wins along the way
🏡 Remember, the goal is your first home!

Need Help? Let’s Chat! 💬
Not sure how much you need to save or where to start? That’s where I come in!

Contact me and let’s make a plan to get you into your first home—without the stress!