want to buy a house in australia, but no money? how you do it?

Most people in Australia want to own their own houses, preferably a nice one..  but hey.. i  have no money.. what to do..

firstly, bullshit..  if you are really serious about buying your own house whether is your first or second home.. you need to scratch that attitude in your head of saying i have no money... are you fucking kidding me? what are you made of, bread and butter...?  you are human being with two hand and two legs, work it!!! use it!! ( I even heard some of the stories of some extraordinary person with no arms and leg who made a serious effort in their life become successful)..

I am not sure whats going on in your life, but if you are serious about wanting to buy a new house then get ready... you need to change your behavior, your lifestyle.., if you have a job and still doesn't have any money, then there is some serious leakage happening in your income.
How to do it: 

For the most people with medium to low income, usually, in order to buy a house you need a loan.. most bank will ask you 20persen down payment for the home loan, and now.. you can do it with 5pesen, and some even zero down payment( with terms and cond apply).

now.. since we need that down payment money... lets calculate shall we..

so your dream house is costing you $340.000 and 

20 pesen means you give bank = 68000 deposit

5 persen means you give bank = 17000 deposit

now thats all clear what to do... you need to save for DEPOSIT, 

how to do  it you say?.. serously.. are you asking me that question...? okay, fine... 

If you are asking me how to save money, here's couple of things that yo can do to save you money in order to get that dream house of yours

1. Find out where that leaking is..

if you have a job and still have no money... figure it out.. where all those money gone... its your money... you know what you spend it on.. be honest with yourself..  you deserve to know..

after you figure it out where .. then stop that leaking..

how..

• you dont need to buy new outfit every payday.. its only 7 days in a week surely you have more than 7 pair of clothes... 
• minimize the spending on food... cook something, its waaayyyy cheaper, buying take out and restaurant and cafe is always the more expensive choice..  but then of course the choice is yours.. wanna buy house or not?
• Your rent is taking up about ¼ of your take home pay. downsize for a year or two and save seriously and aggressively..if its only you and your partner, you dont need renting 4 or 3 bedroom house, 1 or 2 bedroom is more cheaper option to spend your weekly income.. afterall you are trying to save money so you can buy nice dream house within 1 or 2 years of saving.. 
• Pay down all of your debts before even contemplating getting a house... seriously.. you have no money and you have credit card? please... if you have no money dont even think about credit card, its practicaly loan.....you dont want to have an outstanding amount of debt when you are applying for home loan, the result is always bleak.break your habit of buying thing with credit card... it saves you in a long run... trust me on this.. ( well unless you rich)