Allocate 50% to needs, 30% to wants, and 20% specifically to your house fund.
Aim for 20% to avoid PMI, but 3.5% (FHA) or 3% (Conventional) is often possible. tips for saving money to buy a house
Re-quote your car and renters insurance annually to find lower premiums. Allocate 50% to needs, 30% to wants, and