Saving hard, not wasting money & making smart buys led a 23-year-old Rotorua man to buy his first home.

• After years of saving without knowing what it’s for, Scott Semmens decided to make investment instead of leaving it sitting in a bank.

• He was able to buy his first home in Owhata with the help of his parents.

• He says he was careful not to rush into buying a property, and never get too emotional about it.

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