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If you’re saving for a down payment for a home—particularly your first—you probably know this is one tricky real estate moment.

With inflation sending prices spiraling, mortgage interest rates ticking up, and biddings wars on homes more the norm than the exception, it’s clear that homebuyers will need to save every cent in order to compete in this crazy market. This means you’ll need to bring your A-game to saving up for a house.

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