Buying a home?

Less than a month ago, I was rejoiced while registering the first property in my life! It is a small piece of land, that will grow into a beautiful villa in a year's time !
Hmmm it feels good - a sense of proud ownership and a secure feeling flows inside my heart and for the mind, it calculates the income I can expect from the rent.
But, that’s only a part of my thought - what overshadows this small portion :

There's no free lunch, how can a house come free - What do I have to pay ?
If I asked, how much I have to pay - the answer would have been easier : 21 * 12 *salary
In addition to this, I undergo
- a feeling of insecurity wondering what if my income reduces or stops
- a feeling of insecurity wondering what if I fall short of money for my expenses
- a feeling of helplessness that I am no longer financially independent
- a feeling of frustration when I want to spend /commit, I cannot without somebody's aprroval
- a feeling of frustration that I havent earned enough in my working years, to take care of my wants
- a sunken feeling whenever I look at my bank account - there's no way the income can increase. Instead it reduces gradually as I pull out the savings left for meeting my expenses
Is a home worth all these trouble - esp. if I donot intend to move in and enjoii the luxuries it has got to offer!

I know that there is no silver bullet to solve all these issues staring at me , but it is difficult to accept it !
My only hope - time will answer my Qs and gradually the issues will be resolved. Till then, I need to learn to get used to them !!

If u have experienced this, do let me know ...