If you are looking for a real shelter, it should be your own home not a rented place that robs you off your money every month. If you can pay for your rent, you will certainly be able to pay for your home loan and finally own your real home. Moving out can be a really stressful task for many people, thus, some choose to settle for something more like their own place.
When you decide to finally buy your own home, you have to be prepared of facing the challenges that may come your way. Saving more money to pay your home loan is the most difficult part but if you have a high-paying job you can manage the fees. And if your ultimate dream is to acquire a property that is your home, it is time you apply for a home loan.
If you have a family, the more you need to have your new place. Your children should be raised in a place that is located in a good environment. Thus, don't be content with your rented place. Rather, you start thinking of your family's welfare and stop paying for rent, if you still can.