Creating your own website, info please...

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How many of you have created there own site? Starting from free webhosting? Today, I want you to kindly share you experiences to me regarding with buying a domain from a certain webhosting site you have chosen? How real it is, I mean how reliable as we have to use our own money in the pocket? Don’t you experience any trouble in paying? And does the product satisfy you? I am really planning to buy one premium account; I am just collecting several opinions from the one who have tried this. I guess several of us here own their websites so perhaps they can help me. This is not mainly for profit site, but just a community… or a least for good referral gaining… I want you here please.