The most inexpensive way to establish a fruit tree in your yard is to plant a seed. Nursery fruit trees may fruit more quickly, but they are pricey and you run the risk of them failing to take root in your yard. If you harvest a tree fruit's seed, however, you can plant as many as you like and choose only the strongest growers to plant in your yard. And when planting hybrid fruit trees - which are unlikely to bear the same characteristics as their parent trees - you may be lucky enough to stumble on a new and delicious variety of your favorite fruit.
Harvest the seed from the fruit and be sure to clean away all of the flesh from the seed.
Fill an 8 inch pot with moistened quality seed-starting potting soil to within 1/2 inch of its lip.
Plant the seed at a depth that is roughly three times the seed's diameter.
Cover the pot with plastic wrap then punch two to three holes in the top plastic wrap to increase air circulation. The plastic will keep the soil's temperature high and keep the moisture in.
Place the pot in indirect sunlight until the seed germinates. Monitor the soil's moisture levels. The soil should remain moist. But if you no longer see condensation on the plastic wrap, lift it and touch the top of the soil. If it is dry, water.
Remove the plastic wrap as soon as the seed breaks through the soil.
Move the pot into direct sunlight.
Keep the soil moist. Check the soil's moisture level daily by inserting a finger into the soil. When the top inch or so of the soil is dry, submerge the bottom half of the pot in water until the top of the soil is moist again. Bottom watering in this fashion will encourage your seedling to develop deep roots.