Hi - it can be a struggle to get to Down Payment Paradise. You don't specify what the "ton of bills" represent and I won't speculate but you need to prioritize. Set your down payment goal in terms of "how much" and "when". You won't get anywhere until you do that - "someday" will never arrive unless you set it up so you can taste how bad you want it. If a "ton of bills" are in the way you have to figure out how to pay them off. Prioritize using the debt snowball technique: list the obligations by lowest balance, or highest interest rate, or highest balance or by required payments. Make the minimum payments on everything except the one at the top on which you will focus all your efforts by making extra payments. When that one is paid off, apply that payment to the next one until it is paid off, then keep going until they are all paid off. It goes without saying that you need to avoid adding additional obligations or increasing the ones you already have if you want to make progress. You have to want it so bad you can taste it - focus like a laser beam on your goal. Good luck!