Rather than have either a concrete block, or poured concrete wall basement, you dig your hole in the ground and build a wooden frame basement out of PWF wood and plywood (stands for Permanent Wood Foundation) You build walls the same as for the rest of the house, only the wood and plywood are treated for sub grade. Used to be warranteed for 40 years, but Mine is showing no signs of trouble yet, so who knows. You then build the house on top of that, and you can insulate the basement walls and then sheet them in. I have 6" of insulation in my basement walls. Works good, and it is super dry. Even my floor is wood. The only concrete in the whole house is what my furnace and chimney are sitting on. The footings are wood as well.
Flame on!
