As I've outlined before the state is the primary culprit making home ownership cost prohibitive by indiscriminately expanding the money supply (money printing) thereby causing inflation. The state also limits the supply of new homes via a burdensome regulatory bureaucracy (Town & Country etc) .
That being said you can refuse to be a victim of state oppression by adopting lifestyle habits that will offer you a better opportunity at financial independence and success. So called leaders will tout a government "solution", but be forewarned this is an oxymoron. On the contrary a politician does not offer independence and autonomy; rather he seeks to create dependency and reliance to secure political control.
At the risk of being politically incorrect and offending people in society who are believed to have a disadvantage here are some quick tips that will help you on your journey to home ownership and/or financial success.
- Don't do drugs
- Don't engage in high risk sexual activity
- Avoid becoming a single mother / father
- Don't chase women / men (they deplete your resources)
- Get married, settle down - two incomes can achieve more than just one
- Avoid gambling even on a small level - play whe, casinos etc
- Cut out alcoholic consumption
- Don't smoke
- Stay in school / get an education / read.
- Don't squander resources on carnival fetes or parties
- Don't take out consumer loans for appliances, vacations etc
- Avoid blowing money on electronics / shopping online
- Don't play carnival
- Carry your own lunch to work ...Stop eating out....
- Avoid spending excessively on cell phones / phone calls / data ....
- Cut out excessive spending on party clothes / shoes.
- Buy your produce in the market instead of the grocery
- Avoid spending thousands on rims and car accessories
- Get rid of your credit card(s) they cause you to spend more
- Stop regularly eating out at restaurants
- Don't buy expensive brand name clothes for yourself / your children
- Don't buy a new car -buy a used car
- Don't buy a 56'' TV or new TVs for multiple rooms
- Cancel the premium cable packages
- Foster a pleasant environment at home
- Enjoy being at home engage in home based activities that are fun and engaging
- As far as possible do your house chores yourself.
- Be honest
- Work hard
- Don't settle for CEPEP / URP / OJT or an entry level government job
- Try working in the private sector
- Start a business
- Do a budget every month
- Save you're money! - for when a great opportunity comes it is too late to start saving.
- Examine the newspaper classifieds meticulously and religiously (bargains are often found there)
Save your money, buy land even if its not in your dream location; save again and build bit by bit, slowly but surely you'll get there. Don't sit around waiting on HDC you can save and sacrifice on your own. By starting off small, being frugal and industrious you can still secure homeownership.