Building a Home

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Has anyone had experience with building a home, or at least thought about it? Its amazing how much time, work, and money need to go into it. First you find the land, then you get septic tests done, then in my case I will have to drill a water well. All of this can cost thousands and thousands of dollars and I wouldn't have laid a brick yet. I've been saving for two years now with a considerable amount saved but I won't even have enough to start building. For me if everything goes right, I will buy the land, get my tests done, drill a well, along with having a loan to cover what I can't afford. Then I will start saving again and someday in the future build my home.