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One thing remains certain whether you’re a seasoned homeowner or a renter looking to buy your first place. It can seem daunting to save for a down payment. In difficult times when the job outlook is uncertain at best, this is especially true. You don’t need to be making a small fortune at work to save up for a down payment, contrary to popular belief. In fact, there are many simple ways to achieve your goals, just by being more aware of how you spend your money. In fact, just by being more aware of how you spend your money, there are many simple ways to achieve your goals. To help you start saving up, here are three simple tips.

First, stop eating out and start thinking it through. If you eat out even just once a week at a mid-level restaurant, you’re spending about $10 a meal, right? Think again. This time, add in the cost of any appetizer, dessert and drink you want with your meal. Maybe it’s $20 now. What about the tip? Keep adding things up and before you know it, one meal is costing you $25 or $30. Multiply that by how many times you eat out in a given month, and all of a sudden you’ve spent over $100.

Try making your favorite dinners at home more often instead. If you do eat out, ask for ice water with your meal, since it’s free. Cut the tip from 15% to 10%. On smaller amounts, the difference isn’t a lot, but it will sure add up toward your down payment.

Second, cut out paper towels usage. While it’s everyone’s favorite go-to to clean up a mess or wipe their hands, the cost of purchase adds up over time. When you can easily obtain rags that will do the same job for free, why not? Rags can be reused by simply washing them occasionally as well. A little thought goes a long way toward saving much for a down payment.

Third, cut out magazine subscriptions. You can usually find the same information online for free anyway. The same goes for movies. Stop going out and spending $30 between admission, popcorn and a drink. Consider a low monthly movie subscription mailed directly to your door. Much cheaper.

You can really save a lot of money in these three simple ways toward a down payment. Over time, though, you’ll be saving much more than you ever originally imagined.

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