MONEY Borrowing Managing Repaying Saving and Spending

M-5 / Money : Borrowing, Managing, Repaying, Saving, and Spending

M-5 / Money : Borrowing, Managing, Repaying, Saving, and Spending

Playing with distractions is not taking action. You are the only one who controls your future, and the future of those you love and care for. Building or renovating a house requires money management skills beyond those needed to buy stuff at t Read more
You CAN have an Affordable Home

You CAN have an Affordable Home

M-5 Money Why does everything cost so much?! That question is the key in the struggle to make a place for yourself. Building a life is tough. Finding your way, meeting a mate, raising a family, working hard to have the best quality of life, then loo Read more
Cost to Add-on and Renovate

Cost to Add-on and Renovate

Add-On, Remodel, Renovate Construction Cost applies to any area which is changed or touched. Extending a room doesn’t just add new space. Also changed will be the original room because existing walls, windows, doors, floors, and ceilings in Read more
Self-Loaning Can Become Self-Loathing

Self-Loaning Can Become Self-Loathing

The global attitude of the new millennium concerning the possession of things is, sadly, comprised of traits related to 1. impatience, 2. over-consumption, 3. waste, 4. ostentation, 5. swaggering; and the irrational fear of being the only one in an Read more
“Won’t Work” Never Will

“Won’t Work” Never Will

Given project conditions that will never change, numbers that don't work are numbers that never will work. Stop the project.   Read more
Best Method of Personal Financial Growth

Best Method of Personal Financial Growth

A true, haunting story excerpt from GHOST BUBBLE :   The RIGHT WAY to start smart, and end strong A timeless formula, tested by every generation since money was invented, as shells, beads, and salt. start with a small, simple, very Read more
Bubble Trouble

Bubble Trouble

What Is a Bubble? A Bubble will occur whenever there’s a disproportionate, upside-down relationship between the purchase price of a thing, and the actual value of that thing. Upside-down? The value of the thing will never be as high as the price Read more
401(k) is Off Limits for Home-building Self-Lending

401(k) is Off Limits for Home-building Self-Lending

Self-Lending becomes Self-Loathing. You’ll hate yourself later. First, remember this. The context of this entire HomeBuildingTimeline.com project is about you ending up owning your own home, or owning your next one. Toward that goal almost eve Read more
Then, Now and Later

Then, Now and Later

The answer is : Because we keep planning such stupidly expensive houses! The questions are : How did American homes get so expensive? How did we get in this mess? How can we get out of it? This article is about what houses were like Read more
Distracted Driving – Hidden Building Cost – No Recovery

Distracted Driving – Hidden Building Cost – No Recovery

SETTING - It’s a dark and stormy night. A lull in the storm offers a chance for a man (his real name is Husband) to leave the sprawling building, where his office is located; and from which he is the last to exit. In front of the sprawling buil Read more
Grown Children MUST BE On Their Own for Money They Owe

Grown Children MUST BE On Their Own for Money They Owe

It’s not that this happens often; it’s that it happens ALL the time. DS (not even close to his real name) came to me for the design of a new home. He had done everything right, concerning his personal finances and long-range expectations. His p Read more
Cost per Square Foot

Cost per Square Foot

How much will this house cost to build? I get this question several times every day. It's all about using averages for guesswork. I even wrote a book that talks about construction cost. It's called IF I’D KNOWN THAT WAS GOING TO HAPPEN WHEN I B Read more