The first step of determining a cash flow leak is to inspect your purchase history. You might not like what you see, but it shows your overall spending pattern.
If you are looking to buy a home, you should already know how much you can afford. You can calculate the amount you need to close the house based on the house purchase price.
For most, budgeting is daunting, and I’m not too fond of it either. But agreeing to a 30- or 15-year long-term loan is a lifetime commitment, and you can’t go easy on it.
Impulse buying has to stop completely. Compare me with your nagging mother, but you can’t afford to spend money on things that don’t make sense.