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How to build a home deposit while renting

By James Brown

When you're renting a home and paying a regular rent, it can seem like a daunting task to try and save up a deposit for your own Caboolture real estate

However, it doesn't have to be an impossible task. The general rule of thumb is that you'll need a 20 per cent deposit for a property, so some careful budgeting can do a world of good for your own real estate goals. 

Something to consider could be to cut down on the amount of entertainment expenses you accumulate. Things like digital television subscriptions may not seem like a lot on a monthly basis, but adding up the amount for a year may be a significant contribution towards your home deposit. 

Furthermore, creating a separate account for your home deposit savings – one that you can't access easily – is a great way to resist the temptation of dipping into it. 

Setting up an automatic payment that puts aside a percentage of your pay is also a good idea. Eventually you'll become accustomed to the slight economic hit and won't even notice that you're still saving towards purchasing your own home in Caboolture. 

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