It's okay to skimp on some things, but if you're thinking of a major purchase such as buying a home or a car, dig deeper. Make sure you commit a big enough down payment; otherwise, you'll always be upside down on your loan. Go online and find a loan calculator to determine the lending sweet spot. If you can't swing at least 20 percent down, no matter how great the terms, wait. You'll be glad you did.
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