If you know you need a certain down payment to buy the home you want, you can create a budget and start setting aside money each month in a high-yield online savings account.

Happy son feeding mother pancake during breakfast with family at home in the morning

If you set money goals for 2023 back in January, now can be a smart time to check in on your progress. And if you didn’t, it’s not too late to create goals for the next six months and beyond.

“If you don’t have your goals, everyone is so busy with life that a year will whiz by and you’ll have forgotten to start,” says Dan Casey, owner of Bridgeriver Advisors, a financial firm in Bloomfield Hills, Michigan.

Originally published on nerdwallet.com, part of the BLOX Digital Content Exchange.

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