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Message: <blockquote data-quote="mike3996" data-source="post: 396186" data-attributes="member: 13646">Oh yeah, in this regard I'm most definitely more French than German!I am insanely cheap so I don't do this either. When I travel it's the cheapest airbnb, cheapest airlines possible.In theory, who wouldn't. <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" /> In practice I don't fall into this group.Renting is a freeing experience. In fact I first bought the cabin in Sätös but sold it after two years on the condition that I will continue to live in there, on low rent. I figured at that time, a buyer out of nowhere is a most welcome blessing because these rural huts aren't exactly hotcakes to sell.There weren't any major problems during my ownership (or later) but I was obsessively saving for possible surprises: roof repair or sewage renewal. I had good cash savings but constantly felt cash-poor. This is in part why I didn't have qualms about renting in the most expensive city in Finland. But like a flash bulb, it struck me just last Saturday that I am, in fact, renting in the most expensive city.I don't like debt, I don't like being tied down to a specific place. Outside of the capital region, housing markets in Finland can be dead. What happens if I buy an apartment somewhere and then a few months down the road I get a great job offering in another city across the country? To circle back to the French/German thing, renting at high cost in my situation (nobody is preventing me to rent at low cost somewhere but this opens too many doors right now) lays a savings pathway at 50% speed, whereas buying an affordable apartment and repaying it lays the same pathway at 100% speed. 10-12 years from now I could own it debt-free and at that point my living expenses would be astronomically low.</blockquote>

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