<prompt> Human: I was wondering if anyone had any strategies to help me out. After some setbacks, I have recently moved into an apartment in Novemember. 112016. I am 28 and have a 7 month old. I am desperately trying to save to simply cover the closing costs on a home 4-5k but Im somehow losing money!? What can I do?I make 40,000.00 a year100.00 a month in credit cards100.00 a month in student loans100.00 car insurance600.00 rent200.00 electricinternet300.00 groceries268.00 6 months into a 3 year lease car payment60.00 life insuranceAny help would be much appreciated  <response>: I would not suggest buying home when in credit card debt. There are definitely costs to be cut in the numbers you posted but likely not so meaningful that you could save up the real costs of buying a home in anything less than years. Closing costs are far from the only costs of buying a home. If you do not have the dollars to put down on a down payment and the dollars to fix things that break they do buying a home can be a very bad decision. 