There are many people who spend a lot of money all day practically and never realize why they cannot afford that beautiful home in the City of Golf. Here are some questions for you to answer honestly: Have you thought about all that new stuff you bought lately? Have you calculated how much you spent on things you are not really using? How many things you have accumulated in the attic? Although you must be pre-qualified and pre-approved to buy a home, every dollar you spend in vain counts! You can start saving money by making a list of all those items you bought lately and the money you spent on. You will see on paper that your last month spending was over a thousand without considering local service bills, food and gas for your car. To increase savings for your future Real Estate investment you need to reduce spending and debts.