Debt vs. Down Payment: How to Save for a Home Without Losing Your Mind

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.