<prompt> Human: Hey there!Hopefully Im not asking something obvious here, but were both very inexperienced with personal finance. Here are some details: Fiancee and I are looking to purchase a home. Make decent money, but dont have much in savings. Just found out that my credit is very poor and hers is poor. My credit rating is hurting from bad decisions when I was younger that I have taken steps to fix student loans and hers is from medical bills that we are working to pay off. Were not sure what steps we can do aside from what we have already started. What else can we do, and who can we contact to help repair our credit? What can we expect along the way?Im kind of a financial noob aside from standard budgeting with income and expenditures, so Im hoping that one of you kind Redditors would be able to help educate both of us on the subject and maybe even put us in contact with someone who can help. Thank you Reddit! :D  <response>: If you dont have much in your savings, then youre not ready to buy a house. Can you outline your budget post tax combined salary, expenses, savings, retirement, etc. My suggestion is to figure out the price range of the home you want max of 2.5x your salary. Save up 20 of that, which will likely take more than a year. Continue to live within your means and pay your debt on time. This will increase both your credit scores and put you in a better position to buy. 