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@lightlovehope You are probably both also investing in retirement accounts, or your employer is. Yes? If so, how much will you two get starting at age circa 67 or so? Try /r/geldzaken and /r/dutchfire as well.

@jsis You should use the XIRR function in a spreadsheet program to get your real results. Personally, my return from doing crowdfunding from 2010-2018 was an average 2% per year. The originally promised return was 7%, the end result was due to some lenders going in default way before they even...

@lightlovehope Keep doing that, it's only 1% of you total spending, it keeps her happy and probably also healthy (except if it's a dangerous sport or inducing a lot of injuries).

@east81 Also depends on other costs, like taxes, insurance, maintenance and repairs, and buying and selling costs. The NYT has a reasonably good buy vs rent calculator: https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html By the way: also consider who is the source of a...

@kint One thing I'd like to say is: don't stare yourself blind unto this specific job offer. It looks nice, but it definitely has big problems attached to it. So it's not really that nice of an offer. What this situation could do for you is shake you awake, and make you think more about your...

@kint I am not surprised about the salary amount. In the Netherlands, starting out after university you will probably be paid at least 2500 euros/month before taxes for a normal fulltime job. (This would probably result in earning 1900 euros/month posttax if you also lived in the Netherlands)...

@eric4god I guess you'll have to start looking at a business loan instead of a loan for a private mortgage. You could perhaps try the Rabobank and talk to their small-businesses people (MKB).

@csa1991 You're welcome. So for Ireland also try /r/IrishPersonalFinance :-)

@csa1991 First save up 5000 euros in savings. This can be a savings account at your bank, but it is likely that you can get more interest with another bank or institution than your own. Googling high interest savings account + your country may help you find savings accounts with higher interest...