Hi Soili

The forum has a time element for being logged in for security purposes, and I have fallen foul of losing everything I have written as I have nipped off to make a tea in the middle.

So, for all, if you do write anything its worth doing a quick highlight all and copy to clipboard before you press SUBMIT....just in case.
Then if you have been logged out, its not so bad logging back in and pasting your edit.

Soili, your situation is one of most people. Working, difficult financially to buy an existing house, and frustrated with high heating bills and still have a cold home over winter.

So there are a number of routes. One is to allocate evening and weekend time in a a complete self build....which is hardwork, physically and emotionally, but the cheapest. The other route would be to be part of a project where you could self-finish a home. This would give you a watertight, insulated unit which you could detail and spec the internal to your own wishes, and the more of the internal work you do the cheaper the spend, but saves you the hard work of getting to a watertight stage.
We are hoping to have a balance of self build and self finish in the first project in Bristol. Obviously this depends on size of site we find.

If other people have suggestions for Soili, throw them in the pot.