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A Goal Without a Plan is Just a Wish

Family Balance Sheet

However a few years ago, we found ourselves with too much debt and not enough cash. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. As much as I wanted to be a property owner, the extra debt was beginning to suffocate us.

Goals 100
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Buying A House In 2023: A Step-By-Step Guide

Savings Corner

If a friend, relative or employer has offered to provide a down payment gift, initiate a conversation early on to learn how much they plan to contribute and if there’s any shortfall you’ll need to cover — and secure a gift letter from them well in advance. Consider options backed by the federal government.