11/03/2026
Getting together your deposit can feel like such a huge number to start chipping away at, and it doesn’t have to mean cutting out Netflix and haircuts!
Winging it can work… but having a plan can be the key to getting there sooner.
Here are 3 ways I see people successfully save their deposit:
1. Write a proper budget.
Not a rough idea in your head-actually map out what’s coming in and what’s going out. Most people are surprised when they see their numbers clearly. Once you know your non-negotiable expenses, you can see what you realistically have available to commit to savings!
2. Automate your savings.
Once you know your savings number, set up an automatic transfer after each pay and move it somewhere separate from your everyday account. When it’s automatic, it happens without you thinking about it, just like your future mortgage repayments will!
3. Practise your future repayment.
(This is my personal favourite 😍)
For example, if your rent is $550 per week and your future mortgage might be around $700, start saving the difference of $150 now.
If you aren’t currently paying rent, try committing to saving what your future repayment might look like.
This does two things:
• your deposit grows faster
• you get comfortable with what home ownership will feel like
Sometimes we just need a little direction to get started.
If you’re not sure what number you should even be aiming for, that’s usually the first place we start- and I can help with that!
And yes… I will happily remain a Budget Girlie forever.✌🏼
