It depends so much on your situation. Is it just you alone? I could build a small shed-type structure on my land, insulate it, add a tiny
wood stove in a few days very easily by myself for very little money and live quite comfortably, and our climate is harsh in the winter. I have
trees on my land, and a shovel, so a
Mike Oehler house would be more work, but even less expense, especially if it only needed to last a few years. Throw in a wife and kids, your requirements change pretty greatly.
Can you give some more information?