As Americans we are lucky, as part of our heritage has long been to fulfill the dream of owning our own homes. Phoenix is a popular place to make that dream come true. Although prices are still affordable here, it still is a major purchase that will stretch most budgets. Saving for that down payment continues to be the hardest part for most?especially first time home buyers. Here are some tips that will help you break the process down into manageable steps and make your great American dream come true:

? We all hate the word ?budget?, but it's time to bite the bullet and go over yours. Your goal here is to find room for a savings plan. Even if you start out with only $25 or $50 a month, it's a beginning. Once you establish the amount, be faithful and budget for it every single month. You'll probably find it's so much fun to watch the balance grow, that you'll find ways to increase the monthly amount

? Run?don't walk to your bank or credit union, open a savings account and make your first deposit. Establish this as an important part of your routine whether you do it in person or electronically

? Many companies offer investment programs to their employees and even match at least some of the funds. These are excellent plans to establish good savings habits, and in fact some let you borrow penalty free toward your home purchase

? While you're going over your budget, examine it closely for any changes you might make. Perhaps you own some assets that you could part with and not suffer too much. Examples are extra cars, exercise equipment, or a boat or camper. If you sell them and put the money in your savings you'll be that much ahead in your down payment efforts

? Are their friends or relatives that you'd feel comfortable asking for help with your down payment? Since the money is going toward a significant asset, you may be surprised by how many people you know would like to help out. As long as you keep it a business transaction, no one should feel taken advantage of and you won't feel awkward

? Another significant step is to examine your debt load. If you use high interest credit cards, look for new ones that offer special deals. For instance some companies offer a period of 0% or low interest if you transfer balances. Or you may qualify for a low interest bank loan to pay off your card debt. Just remember that any money you borrow (credit card or bank loan) is only used for paying bills. Some people use poor judgment and only end up owing more?your goal here is to pay your bills

Yes, it can be difficult and take some time to accumulate money for your new home. If you start becoming discouraged, keep reminding yourself that you'll soon be in your very own home. Not only that, but owning a home is a terrific investment. Your great American dream will come true?and you'll be ensuring a secure financial future.