Financial independence and security is a pursuit of all hard-working people. Our ultimate goal to purchasing a home must be paid off. Life-time repayments yokes around the neck. However easy as possible our financial institutions draw up our contracts in paying the longest possible time in order to maximize their profits, their motives are at our expense. That's business. But we had drawn up our finances the way that fits our one-income earner family. Because we wanted to become home-owners as our family grew. We chose a place in the country. We have paid off our house within seven years. We saved up. We paid cash. We planned our family holidays. We had one company leased car/van. We practically stretched our every dollar further.