If saving for a house down payment feels like a distant dream — or a source of constant stress — you're not alone. This book isn't about quick fixes or deprivation. It's a calm, step-by-step plan for figuring out how much you actually need, where to find the money, and how to keep yourself on track without guilt. You'll learn to set a realistic savings target, create a simple budget that works with your life, identify easy expense cuts that add up fast, and explore side-income ideas that don't burn you out. We'll cover mortgage-ready rules, down payment assistance programs you might qualify for, and how to keep your savings safe from market risk. No jargon, no shame, no promises of overnight wealth — just clear, proven steps to move from 'I wish I could' to 'here's my timeline.' Part of The Practical Money Library.