Short answer: Use tax refunds and bonuses. Seasonal work in summer. Cut winter costs. Plan around predictable expenses.
Use windfalls wisely. Tax refunds, bonuses, and gifts can boost your deposit. In summer, pick up extra seasonal work. In winter, cut heating costs with insulation and blankets. Plan around predictable expenses like Christmas. A $2,000 tax refund is 6-7% of a $30,000 deposit.
Tax Refund: $2,000
Bonus: $1,500
Seasonal Work: $800/month for 3 months
Total Windfall: $5,900
Percent Of Deposit: 20% of $30,000