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Self-employed and custom home builders who own their own home-building businesses sometimes walk a blurry line between their professional and personal expenditures. This is the perfect time to back off personal spending and get yourself organized.

“Be on a budget so you actually know how much money your business is making and you’re paying yourself as a business owner on a regular salary that you can afford,” Risinger advises. That way, you know you’re living within your means, now and for the long haul.

Home construction projects take a long time to deliver a return on investment, especially if you invest in speculative projects or buy a lot of raw land. Risinger knows from experience; early on, he overextended himself personally and professionally and ended up with very expensive spec houses under construction that took much longer to sell than planned.