Savings

Starting to save money during the holiday season is just like trying to lose weight--impossible! Michael and I want to buy a house so badly, but our loan options aren't as vast as we had hoped. Since the banks stopped giving away money to unemployed folks with no financial stability, we'll need to save a bit more for a down payment. I now regret listening to everyone who told me that down payments were a thing of the past! "Nope, you don't need a down payment," every one said. "No one puts money down anymore." Lies! Now I need to start playing the lottery, and since I've inherited my mother's luck I feel as though the dream of winning will never become reality.