Reply to how on earth can we save a down payment?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Hmm, all the talk of not having children until later and saving like crazy from early on is irrelevant to OP. She cannot undo it nor change some other stuff that's already done (cc debts, income tax repayments).
So, from what I see - only place OP can really shave things off - cable and phone. The rest is hard to change now. 
OP, stick to the budget and just hang in here: childcare costs are not forever, it will end soon, so do your debt repayments (hopefully); you'll have a bit more cash on hand to save for down payment (and you can only have 5% to start with). Good luck!
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It may be irrelevant to OP's situation, but it's relevant to the question.

OP asked: 
[quote]Is there anyone with children, that works full time, that bought a home in this area without employer or family support, that didn't leverage previously owned property, or can into some unexpected money? [/quote]

And my answer was yes. We scrimped and saved and had kids later.  That's how people do it.  If you didn't, fine, but don't gripe about "everyone else having family money" because that wasn't the case for many of us.  [/quote]

NP here.  Not that simple.  DH and I did scrimp and save, paid off all my student loans and lived very, very frugally for some years and we were able to buy a condo with a significant DP.  Did everything "right" except we bought in '06, a very small condo and considered it a "starter" home.  Back then it was "buy now or you'll be priced out forever" and even my dad thought it was a great investment.  Yeah, I know, hindsight...

We thought we'd be fine even at very modest appreciation.  We went ahead and had a baby in '07, another in '10.  It became apparent in 2010 that living in a tiny 1 BR condo with 2 kids was not going to work for very long without making mommy crazy.  Long story short, we moved in with my parents to make it easier to sell the condo, but even with money we saved to bring to the table at closing, it was not nearly enough.  Continued making payments for 2 years after we'd moved out.  Listed for a year with no offers, finally gave up and threw in the towel (keeping it as a rental did not work financially) and now in 2014 our credit has recovered - but we are never going to get our DP back, and now with 2 kids, it's a LOT harder.

When I think about how we'd lived to save money so quickly, and the way things would have been for us without the crisis, or if we'd just timed things a little differently, it makes me sad.   DH and I would have been better off jetting to the Bahamas than throwing it away like we did.   
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