$11.52 Towards a New Home!

I have a jar on my desk, one of those ceramic ones you find in gift stores. The one's that have little messages written on them. Mine says 'Hopes & Dreams.' It's got a whopping $11.52 in it. That's pretty pathetic.
My wife and I don't really care for where we're living right now. It's twenty miles outside of the city we both work in (and therefore travel to every day). We don't really like the schools either, so we want out before our children are old enough to start school. The jar on my desk will be our ticket out of here.
It's a long road from $11.52 to the big numbers we need to build our next one. We can discuss our housing plans later, but lets just say that we need about $80,000 - $90,000 down for the next house.
This is somewhat contrary to my previous post concerning our goals. For starters, this wasn't one of the goals. Second, we'd be taking on a $400,000-$450,000 mortgage, which would put a serious cramp in our ability to grow the million dollars we wanted. It still fits inline with the net worth goal, since the home would be a $400,000 asset. But I wanted the bulk of our money to be a little more liquid.