Six months is enough time to make a real difference. Small, steady moves can lift your score, lower your payment, and reduce stress on closing day. Here’s a simple month‑by‑month plan you can start today.
1. Map Your Cash Flow
Print your last two months of statements. Circle three costs you can cut right away like unused subscriptions, delivery fees, or impulse buys. Redirect those dollars to savings.
2. Automate A “Quiet” Savings Buffer
Set up an auto‑transfer the day after payday. Even $50–$150 per week adds up fast.
3. Lower Credit Card Balances
Aim to keep each card under 30% of its limit. Pay twice per month to keep balances low on reporting day.
4. Clean Up Your Credit Report
Pull a free report from each bureau. Fix errors, pay any small past‑due items, and set all bills on auto‑pay.
5. Pause New Credit
Avoid store cards and "0% for 12 months" offers. Opening new accounts can reduce your average credit age and lead to hard inquiries.
6. Steady Your Income
If possible, take extra shifts or add a small side gig. Keep deposits consistent and easy to track.
7. Prepare Your Paper Trail
Make a folder for W‑2s, 1099s, pay stubs, bank statements, and ID. Keep business records if you’re self‑employed. Having this ready speeds up approval.
8. Right‑size Insurance
A sudden bill can wreck a plan. Review health, auto, and renters or homeowners coverage so one bad day doesn’t drain your savings. If your income would be hard to replace, consider disability or term life insurance to protect your family and mortgage goals.
9. Plan For Closing Costs
Save for appraisal, title, and other fees. Ask your lender for a sample fee sheet so you know the target number.
10. Avoid Big Changes
Hold off on large purchases, job switches, or big cash deposits that are hard to source. Keep your accounts stable and easy to verify.
You don’t need big, flashy moves. You need a calm plan and six months of follow‑through. Trim a few costs, lower your balances, protect yourself with the right insurance, and build a steady savings rhythm. When it’s time to apply, you’ll walk in with clear records, real reserves, and a budget that already works.
