Ready to say goodbye to your landlord and take on the ultimate adulting move of homeownership in 2017? See these tips from the tax pros at H&R Block on how to start saving for your down payment and ways to improve your credit score. 

As a first-time home buyer, why is it important to save up for the big purchase? The more money you can contribute to your home’s down payment, the better your home loan rates could be. Conventional home loans typically require you to put down at least 3% of your home’s final cost. But, if you can manage to scrape together 20% or more, you may see lower up-front fees, ongoing fees, and a reduced monthly payment — all well worth it in the long run.

Follow these tips for saving for your first home and accrue money faster than you thought possible:

1. Practice The Power of Persuasion
Did you know that credit card interest rates, your cable bill, and even your car insurance premiums aren’t set in stone? If you feel like honing your negotiating skills, consider calling up your providers and asking them for better rates.

2. Review and Optimize Your Credit
If negotiating doesn’t sound like your cup of tea, you can still improve your credit without talking to anyone on the phone. First, make sure your payments are on time, and that you don’t have any outstanding debts. You can use a credit check website to review your credit history, as well.

3. Get a Side Hustle
Thanks to the rise of the sharing economy, it has never been easier to make a little cash on the side. In fact, you can use apps like LyftUber, and Fare, to turn your car into a cash cow at the click of a button. An additional income source never hurts, and you’ll probably come away with plenty of repeat-worthy stories about the people who use your services. Plus, you can write off your mileage, gas, and car maintenance come tax season.

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