How to Build a Debt-Free Home

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By eHow Contributing Writer

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Yes, it is possible to build a debt-free home. From log homes, earthen homes and stick built homes, you can build a home and remain debt-free. Concentrate on the basics to start with, then add finishing touches as you can afford it. Here are some ideas to help you build a debt-free home.

Difficulty: Moderately Challenging

Instructions

Step 1

Research the different types of homes that a do-it-yourself homeowner can build. Visit the library or online websites to learn more about the techniques involved and if the style can be built in your climate. Go online to forums to read about potential problems other builders may have. Check your local area for the availability of products necessary to build the home.
Step 2

Read the building codes for your area to make sure the type of home you'll be building is allowed. The building codes are usually found at your local courthouse or builder's association, and you can purchase a copy. Find out what the state building codes are as well, sometimes the state building codes will supersede local ones.
Step 3

Let your fingers do the walking. Call local building supply stores for pricing and availability. Find out if the supplies can be delivered to your home site or if there is a charge. If you are planning on building a log home, contact local sawmills for prices of logs. Contact the local day labor shop to find out what the current labor price is. You may need labor assistance on certain days.
Step 4

Think out of the box to build a debt-free home. Many unconventional homes have been around for decades. Homes have been built from straw bales, earth, earthen bags and tires. A straw bale house is covered with plaster inside and out, making it fire resistant. Not only is it fire resistant, a straw bale house is very easy to build, economical and offers great insulation. If you sign up for courses from a log home builder, many volunteers will help you build the home. Not only do you get free labor, they get experience.
Step 5

Start with the basics when building a debt-free home. Roofing, plumbing and electrical are the most important basics. Paint, light fixtures and finished flooring can come later as you can afford it. After you've built the basics, determine the next most important need. If you've decided it's flooring, save enough money to pay for it before you buy it. Think about buying used products as well. Many kitchen cabinets, bathroom vanities and light fixtures can come from a home that's being remodeled or yard sales.

How to Build a Debt-Free Home

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