India, Oct. 25 -- Missed the festive offers this Diwali? Don't worry, it's never too late to plan your home purchase. Festive deals can be attractive, but buying a home should align with financial preparedness not seasonal discounts.

Rohan Jha, a 32-year-old marketing executive in Mumbai, is following a six-month roadmap to successfully buy his first home. He had planned to buy his first home during the festive season post the GST cuts, but he could not because he lacked two habits: saving automatically and keeping debt low. His savings were inconsistent because he didn't set up an automatic transfer. Plus, having high credit card unpaid balances messed up his credit score.

To fix this, Rohan is now saving on autopilot with guaranteed a...