DAP’s have been around for years yet many people, people who could use them most, don’t even know they exist. With home prices and interest rates on rise, there’s no time like present to explore these programs and their benefits.

The Nehemiah Corporation of America has helped over 170,000 families and provided more than $659 million in gift funds since 1997. They offer gift funds up to 6% of final contract sales towards your down payment and/or closing costs. These grants are available to both first time and repeat homebuyers. There are no income or asset limits, no geographical restrictions and gift funds do not have to be repaid. For more information about this program, visit

Combine Frequent Short Trips

Instead of making several short trips for shopping, doctor’s visits, and other errands, combine these short trips into one larger trip. Arrange your route so that you can go from point A to point C without having to back track to get to point B without wasting time and fuel.

Carpool and Use Other Modes of Transportation

Two or more can travel cheaper if they “pool” their resources. Take turns with neighbors on trips to grocery store and for other errands, including activities with kids. Hop on a bicycle or walk if you’re within a mile or so of your destination. You’ll cut down on fuel use and get some exercise too!

Monitor Your Driving Habits

Watch those jackrabbit starts and don’t be a lead foot. Drive at moderate speeds - you use more fuel per mile when you drive faster than 55 mph. Limit your use of air conditioning to when you are out on highway.

Search Online for Lowest Prices

Finding lowest possible price in your area can help to lower your fuel bills, especially if you fill up often, but don’t go crazy driving all over place to save a few pennies. Search sites like