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Saving for a home has always been challenging. It takes discipline to keep socking money away for a down payment on a house instead of spending the money on more immediate things.

But there are some ways you can save money, sometimes without even noticing you’re doing so. Building that nest egg takes time and effort, but it’s within almost everyone’s capability with a little know-how.

Read the full article in the Finances FYI section of The Seattle Times, sponsored by 1st Security Bank.