If it's housing that's your big issue, and you want a Free Company house bought by yourself, for yourself, for your own use, there's really no mechanic in the game that's going to get you the money you need without a crazy amount of effort, including at a minimum quitting your job/school (or at least playing the game constantly while AT your job/school). FC housing is meant to be bought by a Free Company, and the expectation is that everyone in the Free Company will chip in and help pay. At current costs, only really large FC's can buy a house at all, and even when prices reach their minimum it will require a lot of effort on everyones' part to buy (assuming that SE doesn't crack under the pressure and lower the price further).

If you're worried about saving up for personal housing, honestly I don't think it's soon enough to worry since we don't have any idea what it will cost. I doubt that it will be anything like FC housing, though, either in cost OR in implementation. Don't look at FC housing and anticipate that your own house will be the same way. You'll just wind up disappointed.