How are defining cheep, and how big is the metaphorical house? Developer time is not free (unless you are working a personal project) and if an hour or two up front of planning things out stops you from making a lynch pin mistake that needs to be re-written it is better to do the planning.

If the amount of time that it takes to rewrite something is trivial (a week or less) then you aren't working on something all that big/complicated.