Xiao Wang can save money in the following ways:

1. Regular savings plan: Xiao Wang can deposit part of his salary in a bank time deposit every month to accumulate the down payment. Assuming that Xiao Wang has started working now and can save 5, yuan every month, he can save 3, yuan as a down payment in five years. It should be noted that banks or wealth management products with higher interest rates should be selected to improve the accumulation speed.

2. Investment and financial management plan: If Xiao Wang has certain investment experience and is willing to take risks, he can also consider saving the down payment for buying a house through investment and financial management. Suppose Xiao Wang chooses to invest 5, yuan every month and the annualized rate of return is 8%, then he can accumulate to about 298, yuan in five years. It should be noted that risk control and rational allocation of assets should be paid attention to in the investment process.

In a word, which scheme to choose should be comprehensively considered according to Xiao Wang's own situation, and his income and expenditure and time should be carefully planned and reasonably arranged.