Learn how to cut big costs, stay on budget, and reach your homeownership goal faster.
Today’s episode is all about prioritizing your financial decisions to support your homebuying journey. Host David Sidoni breaks down why skipping your daily coffee won’t cut it—but skipping that new car just might make all the difference. You’ll learn how to rethink large expenses, why practicing rent replacement now can make you mortgage-ready later, and how to maintain momentum even when your timeline feels long. It’s a wake-up call for anyone who’s serious about becoming a homeowner—without feeling broke or burned out in the process.
David shares real strategies from buyers who stayed on track by focusing on the right sacrifices, embracing lifestyle budgeting, and continuing those habits even after moving in. If you’ve been saving but still feel behind, or if you’re wondering what to cut without giving up your sanity, this episode is for you.
“One less quad venti no-whip isn’t going to get you across the finish line. But skipping that new car just might.”
Highlight:
- Why skipping small luxuries won’t help—but cutting big expenses will
- How to practice living on your future mortgage before you buy
- Smart budgeting tips that continue to pay off even after closing
- Why an emergency fund is essential to stay confident as a homeowner
Referenced Episodes:
- 388 – The Playbook VOL. 1 - The Rent Replacement Strategy
- 355 – Real Answers Pt 4: Should I Rent or Buy in 2025?
- 328 – 2025 Homebuying Action Steps - 10 Real Estate Pro Tips
- 319 – Condo vs. Townhome vs. House – Which One is Right for You?
- 207 – How to Save and Plan for a Down Payment
- 145 – Rebalancing Your Budget After Closing
- 400 – How to Buy a Home Starter Series (Start Here)
- 287 – The “Secret” Downpayment Assistance Program
Connect with me to find a trusted realtor in your area or to answer your burning questions!
Subscribe to our YouTube Channel @HowToBuyaHome
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Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!
David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.
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