Stretching Your Dollars When Buying a Brand New Home

: "Before Carol Smith ordered a custom-built house three years ago, her first step was to write out a 'wish list' of features she wanted. Then prior to finalizing her agreement with the builder, she crossed off items that would be no more expensive to add in a few years -- such as a crystal chandelier and a backyard deck.
Like most new-home buyers, Smith faced financial limits. So she deferred features that she could easily add later in favor of those that would require major retrofitting: such as a home office, recessed lighting or upgraded kitchen cabinets. 'Identify features that are intrinsic to the home, vs. those that could wait without extra cost,' says Smith, a real estate author and head of 'Home Address,' a consulting firm to the homebuilding industry "
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