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Now, would not it be great if the prefab industry could build extremely beautiful and gorgeous looking homes in a week – homes that would satisfy every individual whim and taste and still be very, very cheap and affordable to everyone ?
That would of course be great ! But the problem has always been satisfying every individual taste and yet making prefabricated homes easily affordable to the vast majority of the people. You see, if prefab homes have to be made affordable, then at least a few designs would have to be mass produced. And if just a few designs were to be mass produced, then a majority of the homes will start looking and feeling the same. And people always want their homes to be better looking than their neighbours’ homes. Which essentially means that mass producing homes may not work. So prefabricated homes cannot always be made cheaper than homes built the regular way.
But still, the prefab industry offers a ray of hope for today’s environmentally conscious people. They do have their strengths. But like many other promising things in life, not everything about them may be hunky-dory either. Here is a brief list of the tradeoffs …
The Good – Why A Pre-Fabricated Home
Prefabricated homes are fast to build, and they are not as damaging to the environment as building a home the regular way could be. They offer the potential to reduce wastage and offer the benefits of mass production – lower prices, faster and easier to build, and a range of designs to choose from.
Fewer defects, much faster construction, lesser skill requirements, reduced energy consumption and wastage are possible the chief benefits of prefabricated homes. But that is not all – in colder climates, faster construction is essential because the building period is relatively shorter. And prefab homes reduce the amount of disruption the neighbours will have to put up with.
If you have deep pockets and relatively expensive tastes and are very environmentally conscious, the a prefabricated home may be just what may be good for you.
The Bad – Just How Much Does It Cost ?
No prefabricated home manufacturer may be able to give you a quote without seeing the site where the home will be built. And the final cost may depend on many factors and so it may be almost impossible to get a good idea of what the home is going to cost before the manufacturer has had a chance to get to see the site and talk with you about your tastes and requirements.
Though prefab homes are said to be available at all budgets, it does help if money is not a constraint as some of the best designs – especially the very high end high tech designs – do cost quite some money to build. The low cost designs may not be very appealing to everyone.
The truly lovely prefabricated designs are still designed mainly for the high income families and affordable prefabricated home designs that appeal to a large percentage of the population may not yet be exactly around the corner.
And The Downright Ugly – What Are The Disadvantages ?
Many of the supposed advantages of prefabricated homes are still hotly contested and may still need to be proven definitively. Some people opine that prefabricated homes actually may cost more than traditional homes. And prefabricated homes are manufactured at factories that have fixed overheads – labour, plant and machinery and more – and this makes it difficult for the prefabricated industry to respond to changing market conditions.
To manufacture homes at very low costs, the prefabricated industry will have to mass produce homes in very large quantities. But for that to happen, the prefab industry will need to have very large capacities. Unless this happens, the costs of prefabricated homes may not drop very appreciably.
And contrary to what may appear to be the case, prefabricated homes may actually need a lot more skilled labour to precisely assemble factory made parts. Otherwise, all the benefits of prefabricated homes may not be available to the occupants of the homes.
Also, there seems to be scanty evidence that prefabricated homes actually reduce wastage. In case there is a problem with a design that already has become very popular, then lots of homes will have to be repaired because they would all have been mass produced. This could actually increase the amount of wastage in manufacture and transport.
Then there is the question of value – will most people be willing to pay as much for prefabricated homes as they would for a traditional home built using methods they have become so familiar comfortable with ?
That said, the prefabricated industry is still in its infancy and offers several advantages including the potential to reduce the harmful impact on the environment – something that could become a very important concern in the near future. But arriving at designs that are both affordable and appealing to the majority of the people and environmentally friendly may still be a long way to go.
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The typical American household budget percentage breakdown looks like the list below. For most of the categories a range is shown. A range makes more sense to help you see where your personal budget fits (or doesn’t fit.) If your budget doesn’t fit the typical American household budget, rejoice! The average American household budget is jacked up – we carry too much debt and we just don’t save enough. We’re so worried about our neighbor’s new pool, our co-worker’s new car and our friend’s new designer shoes that we spend more than we earn to try and keep up. But take heart! Review the percentages below, compare your household budget and then read on to find out how you can move yourself into the elite minority of Americans who have mastered where their money goes.
Typical Household Budget Percentages
33-38% Housing (59%-66% of this is on shelter – mortgage interest, property taxes, repairs, and rent, and other items)
15-19% Transportation (up to half of this is vehicle purchase – 2 cars per household average)
13-14% Food Budget (55% at home, 45% away)
0-2% Alcohol
0-3% Tobacco and related products
0-2% Caffeine related products
4-5% On clothing and related services (drycleaning)
4.5 – 6% on out of pocket Health Care
9% Personal Insurance and Pensions (breakdown: 1% life and other personal insurance, 7.5% Social Security, .5% investment
5% Entertainment
2.5% Charitable Contributions
2% Reading and Education
1% Personal Care products and services
2% Miscellaneous
4% Credit Card, Consumer Loan Interest
If your budget closely matches the above, here’s what you can do to fix that. Do these in order. Do not proceed to the next step until you’ve addressed the current step:
Stop using your @#!&*! credit cards!
Make a down and dirty budget right away! Don’t worry about it being right at first…you can perfect it over time. Just do it!
Cut back on your easy to identify, frivolous spending habits (3 dollar lattes, magazines, 450 extra satellite channels, etc.) If you’ve got some expensive habits you’ve wanted to quit for some time, now’s the time. For example, if you’re a hard-drinkin’, chain smokin’, coffee drinkin’ fool, you can reap a windfall of up to 7% or more of your income! Just cutting back to 2 drinks per day, only drinking coffee from home and quitting the cigarettes will net you a nice amount of extra cash and add years to your life! Refine your budget after eliminating what you can.
Reduce your 401K and other investment payments (if you have any) to the minimum allowable to keep your 401K and/or other investment accounts open. If your employer has a stock matching plan, keep that in addition to the minimum to keep your investments accounts open (but only up to the minimum you need to get all the matching money.) You’re going to reap a whole lot more return on paying off your debts than you can ever hope to reasonably get from traditional investments. If you’re paying into a college fund for your kids – keep doing that – if you’re not and you really want to, hold off until step 6. Refine your budget to reflect the extra income available, if any.
Build an emergency fund equal to 2% of your gross annual income. It should be a little hard to get to (like a separate checking account or mutual fund), but not too difficult (Certificate of Deposit.) Work this into your budget – it’s very important. You will not believe the amount of stress that will melt away when you do this.
Pay off your debts – everything except mortgages. And don’t just move your revolving debt into a second or third mortgage – that’s bad. Pay them off using a rapid debt paydown system. Pay off any student loans (for future reference, these are a bad idea.) Pay off your car(s) too. If you’re not upside down on a car loan (your car is worth more than you owe) you can sell it and get a cheaper, paid for car. Throw a small (inexpensive but fun) party for yourself and your loved ones every time you pay off a debt.
Take all the money you WERE spending to pay off your non-mortgage debt and start putting it into those investment accounts you put on idle. Make sure you’re investing at least 10% of your gross income. If you followed steps 1-4 exactly, you should have lots of breathing room in your budget now. If this is true and you want to invest more than 10%, go ahead, but be sure to reward yourself too and live a little. Grow your emergency fund to a level you’re comfortable with (2 or more months of income is a good start.) If you have young kids and you want to send them to college, start putting money into a college fund of your choice for them, if you haven’t already. Throw a bigger party than usual when this is done.
Pay off your mortgage and throw your biggest party yet! You can start towards this by refinancing to a single fixed rate mortgage (your credit should be in pretty good shape having paid off all your other debts.) If it’s a 30 year mortgage, pay more than your monthly payment to dramatically lower the amount of interest you give to the bank. If it’s a 15 year fixed – wow! That’s excellent!
When you’re totally debt free, regularly give away whatever you think you can afford. It’s good for the soul!
Easy? Not. Worth it? Doing the above will pay dividends in your life in many more ways than just dollars and cents. You will assure yourself a dignified and financially secure retirement. Do this well and you will also build a way for your kids and your grandkids to enjoy prosperous lives, and they will remember you with fondness and respect long after you’ve moved on to the other side. Now get started!
Although it can be hard to face, not being able to pay off your loan debt is something that many people have to come to terms with. If you are in this situation, then it is important that you try and sort it out as soon as possible. The longer you leave the problem, the worse it will get. If you cannot pay back your loan and need help, then here are some tips to help you on the road to recovery.
Admit defeat
If you really are struggling and cannot make your repayments, it will only harm you to carry on struggling. You will have to pay late fees or extra payments, and your debts will get worse. Do not try and cover your loan debts with other types of debt like credit cards, as you are just making the problem worse. Admit that you are struggling and start taking steps to change the situation right away.
Contact your lender
The first thing to do if you are having problems is to contact your lender and try to work out some sort of plan. Although lenders are a business, they are often sympathetic to your situation and might be able to help by deferring or temporarily stopping payments. Having your payments stopped for a few months might be all that you need to get back on track. If you can show your lender that you can solve the problems, they should be able to help you.
Pay what you can
Even if you cannot pay the full amount back each month, you should always try and pay what you can back. The debt you have is not going to go away, so paying back what you can will still help to reduce the problem, even if it is not the full amount you should be paying back. Lenders will look more favourably on you if you are seen trying to pay back as much as you can.
Seek advice
If your problems persist, then seek some independent financial advice to try and help you through the problem. There is free advice available, and it could help you to learn where you are making mistakes that you could change in order to pay back more of your loan amount.
If the worst happens
If the worst happens are you are forced to sell your home or are taken to court, try and deal with the situation properly. Although this is obviously a very hard time for you, make sure you keep a level head, and respond to all paperwork and requests promptly and accurately. Although the situation may seem bad now, if it helps you to become free of debt it will be worth it in the long-term. If you cannot pay back your loan, then seek advice and help, and always pay as much as you can do each month.
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