Back in the day when I first started I would make preparations like ; research the house/building/buisness, make sure I've got double the available cash (in case of back-to-back purchases), placement (keeping the Government , colored houses and certain structures together but in separate areas of town (like Cletus's farm & Nelsons house or Moe's tavern & King Toot ) and I even completely rearranged my Springfield several times over the early months.
As time has passed I've accumulated enough cash to steadily afford whatever I want, my neighborhood has spread to the point of placement of new items has become interesting & tricky sometimes and lastly, land purchases became maxed out.
Overall, my advise is to make sure you want before you get it.
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