aven X is right insofar that it hurts to que buildings up. If you order 4 houses built you pay for them in one single payment. Obviously for the first house this is good because the building starts at once, but for the other 3 houses you pay money and get no returns for a long, long time.
Building one bilding at a time is the way to go, but it is micro-heavy. I would very much prefer it if the money was substraced when the buildings commenced rather than when the building is ordered.
Also would very much prefer it if there was a 'manual labor' resource or something similar so that certain buildings would not cost money. Why would a house be funded by the nation's treasury? Your people should be motivated to build houses for themselves, right?