Trying to pay off debt and save for a home at the same time? It’s basically the financial version of juggling flaming torches on a tightrope over a shark tank… while budgeting. But don’t worry—Jennifer Shannon Templeton has a realistic, empowering, and slightly cheeky plan to help you make progress on both fronts without sacrificing your sanity or your snack budget.

In this episode, you’ll learn:
✅ The difference between "good debt" and "bad debt"—and which to tackle first
✅ The debt avalanche vs. snowball method (and which one actually works for you)
✅ How to balance saving for a home while paying down credit cards or loans
✅ Why an emergency fund is your financial force field
✅ What lenders look for—and how to prepare before you apply
✅ How automation and mindset can make or break your progress
✅ Real-life tips to protect your savings from lifestyle creep
✅ Why reaching out early gives you a homebuying edge

💡 Want expert help mapping your next steps?
Book your free 1-on-1 financial coaching session:
👉 homebuyingforwomen.com/coaching

If this episode gave you hope or helped you take a step forward, let us know! Like, subscribe, and share it with someone who’s trying to balance debt and dreams, too. You’re not alone—and we’ve got your back.

Building a home buying budget doesn't have to be overwhelming—or boring. In fact, with the right approach, it can actually be empowering (and maybe even fun, if you like spreadsheets). In this episode, Jennifer Shannon Templeton walks you through how to craft a home buying budget that actually works—no shame, no unrealistic expectations, and definitely no crypto advice from grandma.

You’ll learn:
✅ Why talking to a lender early is your best first move (yes, even if you’re “not ready”)
✅ The real breakdown of down payments (spoiler: you don’t need 20%)
✅ How to calculate your full cost to buy—down payment, closing costs, moving expenses, and more
✅ The magic of zero-based budgeting (and why every dollar should have a job)
✅ How to budget $20K over time with real examples and timelines
✅ Tools, mindset shifts, and financial habits that make saving for a home doable

🔧 Want to plug in your own numbers?
📊 Grab the Home Buying Budget Tracker Spreadsheet:
👉 homebuyingforwomen.com/budget

🤝 Ready to get personalized help on your finances?
Schedule your FREE 1-on-1 coaching session with a real estate-savvy financial coach:
👉 homebuyingforwomen.com/coaching

Saving for a home down payment might feel like trying to download the internet on dial-up—but with the right plan, it’s totally possible. Whether you're aiming for 3%, 20%, or somewhere in between, you can do this—and we’re here to show you how.

In this episode, Jennifer Shannon Templeton breaks down how to create a clear, actionable savings strategy—no gimmicks, no guilt trips, and definitely no skipping your coffee. You’ll learn:

✅ Why the 20% myth is outdated—and what your actual options are
✅ Real-life breakdowns of FHA, VA, USDA & Conventional loans
✅ 3 powerful savings strategies: Pay Yourself First, Side Hustle Shuffle & Lifestyle Audit
✅ The biggest mistakes that can derail your savings (and how to avoid them)
✅ Real-world savings timelines based on your lifestyle
✅ The hidden world of down payment assistance programs and how to access them
✅ How to get free 1-on-1 financial coaching to build a custom plan

🎯 Ready to create your own savings strategy?
Schedule your free home buying coaching session:
👉 HomeBuyingForWomen.com/coaching

If this episode gave you hope or inspired you to take action, hit the like button, subscribe, and share it with someone else who's dreaming of homeownership. You’ve got this—and we’ve got you.