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[quote=Anonymous][quote=Anonymous][quote=Anonymous]You also need to get rid of cable and verizon at home.  Go to the library.  Make drastic cuts for the next two years and pay this off.  Another option is for someone to take on a second job.  Use that money to pay down credit cards and student loans.  Even 200 a week would help.  Get a cheaper apartment.  Sell the car.  Cut down on utilities.  Get rid of the smartphones.  Cut 100 off the monthly food budget. [/quote]

Part of my agreement with work is that I work from home one day a week. Not sure how I can do that without Internet.

And I'm also curious how I'm going to go to the grocery store and such in this super cheap rental without a car?

Mass transit isn't at all reliable (especially on the weekends) and we split one car between the two of us.[/quote]

I just signed up for 2 years of FiOS for $29.99/month. Prior to that (last year), I called Comcast about 10 times in a row asking for a $29.99/month rate until I got a customer service rep who was willing to cut a deal. You don't need to pay $75/month, you need to shop around for the cheapest rates and be persistent. That's $540/year you could be banking. You can do this with your cell phone, too (find a cheaper deal). I also have to work from home, so I have to have high-speed internet, but we don't pay a penny more than we absolutely must.

DH and I, and DD when she was born, lived in a 1BD apartment for 7 years to save up a DP (DD was 2 when we moved). The apartment was the cheapest one we could find and had no amenities and was old and sort of crappy. But we saved a ton (rent was $1300 and it was in a very good neighborhood with a good commute). You need to find ways to actively improve your situation and be willing to sacrifice for several years if you want to become a homeowner.

I also started a business and work full time at my regular job and earn extra by working nights and weekends for my business. Every little bit counts. You have to want it and not be complacent about your debt or your spending levels.

Good luck![/quote]

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