To save up or borrow? This question is essential when talking about how your net worth will develop the coming years.
We both believe in saving up to buy the things we want rather than borrowing. And why so? Our main reason is the total cost. Things get way more expensive when you choose to borrow the money AND your future disposable income will be lower (not forever – we know). This starts an evil circle towards borrowing more money, because it then takes even longer to save up again. Therefore we find it more attractive to save up for the things we want in advance, even though we sometimes have to wait longer to get it.