What is 'affordable'- stage 1: brainstorm and definition

To gather ideas on what is 'affordable'. Every individual will have a different definition, and every member will have their own wisdoms and opportunities to contribute. Do it brainstorm style: as many ideas as possible. Ideas are more important than the worked out practicalities of it, at this stage.
Please response with:
1. My description/definition of 'affordable' housing
2. Suggested ways of making a co-housing project affordable. Please be as SPECIFIC as possible, e.g. 'use our own labour instead of contractors', 'get government subsidies'. Specific stuff like that. Thanks

Now here I will keep a running tally of ideas, to save you reading the full messages below:
- what an individual can afford
- giving as well as receiving
- offering a secure home for as long as one wishes
- bypassing the international finance system
- Labour used: pay workers in shares/use wooffers/residents work
- build house yourself with local resources
- no bank loans
- community builds houses together
- small homes, and modular expansion
- fundraise (so, attract external money, donated)
- cooperate well with council
- sharing common facilities (laundry, living, etc)
- no banks involved
- use local materials and labour (DIY), and cosh system
- community grants
- buy materials at wholesale prices.
- mention made of websites of other projects, unhelpful banking systems, and more helpful banking systems elsewhere in the world
- affordable housing becomes 'what one can afford'
- Only trust real assets. Banking system may go down the drain and sting us