After I made my final debt repayment in May 2013, it took a couple months for me to decide what my first big savings goal would be. I knew I wanted an Emergency Fund, but I wasn’t immediately confident I would be able to save five figures. Up until that point, the most I’d managed to save (and eventually spent) was somewhere in the $3,000 range, so $10,000 seemed like a stretch. It took 17 months, but I finally topped it up to $10,000 in November 2014.
For the past two months, I’ve found myself back in that state of limbo re: deciding what my next savings goal should be. I’ve been standoffish about the topic of saving a down payment and buying a home, for years, which I can see now is probably because it has never been tangible. It’s still not within my reach, nor is it at the forefront of my thoughts, but I think I’m finally ready to at least start talking about (and saving for) it… here goes.