<prompt> Human: I started to make 65kyr about this time last year and was making well below 30 before that. Rent is very expensive where I live and it makes more since to own. On the advise of my father who told me I could get my down payment in a grant, I submitted for a mortgage. I was approved but they told me because I have 0 credit I cannot get a grant. Is this true? I only have till march left on my lease and the mortgage offer is up in February. Between constantly fixing my shitty car and my ridiculously high rent rate I have a very hard time saving anything at the end of the month. What can I do here? My rent is only going to get more expensive where I am, and im in the cheapest part of town I can get to without having to spend more money on gas every month than I would save on rent. I cant get a credit card to build credit when I have no credit, which is ridiculous. With a secured creditor card I could start building it now I dont have time left to build it enough for a grant. Can someone help me out, I feel trapped?EDIT: it seems the general consensus is that this was a bad idea and it would be better to continue renting until I get a better hold of my finances. Can anyone offer any advise here? I dont believe I can stay where I am and get a decent amount of savings going, my salary is not competitive with others in the same role, but my boss insists this will change when the chaos from our merger settles down around the end of the first quarter next year, but I dont feel confident that it will change significantly without a degree and Ive still got a couple years to go at this rate to finish mine. Does it make more sense to seek out a position in a location with a lower cost of living? The cost of living in the Denver area isnt going to settle down anytime soon it seems.  <response>: If you have 0 savings, home ownership is not for you. You buy a house and then the furnaceAC goes out youre stuck. You live in a rural area Im assuming since youre looking for a grant, but you say youre in a high cost of living area. These two things confuse me. Also, just bc you were approved for x, does not mean you can afford x. 