Start by creating a budget and identifying areas where you can cut back on expenses. This may include eating out less, canceling unnecessary subscriptions, or finding ways to reduce your utility bills.

Determine how much you need to save for a down payment based on the price of the home you want to buy and the down payment percentage required by your lender. Set a savings goal and work towards it each month.

Open a dedicated savings account for your down payment and make automatic transfers each month from your checking account to your savings account. This will help you stay on track and make saving a habit.

If you have spare time, consider taking on a side hustle to earn extra income that can be put towards your down payment. This could include freelance work, driving for a ride-sharing service, or selling items online.

Some employers offer benefits such as matching contributions to retirement accounts or employee stock purchase plans. Take advantage of these benefits to save more money.

Recently discussed in an article here, there are many down payment assistance programs available that can help first-time homebuyers with the upfront costs of buying a home. Research these programs and see if you qualify.