If you don't have enough cash for a down payment or find you're not comfortable with what you do have and want to lower your monthly payment a bit, you will need to start a serious savings plan. Don't put it off. It is never too late or too soon to set up a housing fund. If for some reason you wind up not buying a property right away, you'll have accumulated a nice nest egg for future use.
Here are some painless ways to boost your savings with as little as $25 or $50 a week or month.