David McMillin writes about credit cards, mortgages, banking, taxes and travel. Based in Chicago, he writes with one objective in mind: Help readers figure out how to save more and stress less. He is also a musician, which means he has spent a lot of time worrying about money. He applies the lessons he's learned from that financial balancing act to offer practical advice for personal spending decisions.
If you're hoping to become a homeowner, the size of your down payment can make a big difference in your budget. The more money you pay upfront, the less you'll need to borrow -- which translates to lower monthly payments and some major long-term savings in your overall costs.
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