When the dream of the house bursts

Don't even try it at the big furniture stores. They don't negotiate

That is simply not true!

I lived in my first apartment for 10 months with a camping stove and cardboard boxes in the kitchen until I could buy my first kitchen outright. Understanding among acquaintances was almost zero: EVERYONE would have 0% financed the kitchen. So you also have to swim against the current if you want to act financially smart today. Where do we actually learn how to handle money?

And where do we actually learn to find the right priorities in life? You cooked on a camping stove and among cardboard boxes! Do you value yourself as a person? Is money more important to you than your dignity? And you can't get a balanced diet over several months on a camping stove either. So you saved on your health and on yourself to accumulate capital (money! One of the least important things in the world—as long as you have it). Congratulations.

and where do we actually learn to find the right priorities in life?

THESE are different for everyone.
I also don't buy on credit - the logical exception is the house, because despite a very good equity ratio, it still isn't enough entirely.
I find offers immoral where you get a sofa and only have to start paying the first installment 6 months later. I don't want anything like that.

Maybe I should have mentioned that my hypothetical example was actually complemented by an old fridge. So much for nutrition.

Otherwise, your comment qualifies for the top 10 dumbest comments, congratulations.

You cooked on a camping stove and between cardboard boxes! Don’t you value yourself as a person?

So living with dignity as a human only comes with a fitted kitchen according to standard XY?

And you can’t get a balanced meal over several months on a camping stove either

Nonsense squared. Easily(!) possible with the necessary skills.

So you skimped on your health and yourself to save capital

The opposite is true. My health has not suffered in the slightest. My comfort, sure. The trade-off is a gain in financial freedom and thus freedom in general, since both have huge overlaps in our world.

(Money! One of the least important things in the world—as long as you have it)

That is pretty much the dumbest sentence ever and it makes your already bad comment utterly terrible. Do you think before writing self-contradictory things?

So you first have to have money before it becomes unimportant. Before that, it’s important!?
At least when I had little, I didn’t want a consumer loan. Notice something??

(You once wrote in another thread that despite 10k net/month you barely save? You have it, so it’s unimportant. Something about money and character... and then you drop a comment like this. Incredible!)

So you can only live with dignity with a fitted kitchen according to standard XY?

No. But placing the accumulation of capital above one's own well-being is undignified.

So you have to have money first before it becomes unimportant. Before that, it is important!?

No. But if you have too little money, you have existential fears. Then acquiring money has the highest priority – to obtain food, a roof over your head, or clothes on your body. Then, and only then, do I understand the urge to acquire capital. When basic needs are met, money is the least important thing in the world.

And a balanced meal can't be achieved over several months using a camping stove either.

There were times when I received my salary on the 30th, and after installments and all the bills, only 10 euros were left on the 2nd. Toast bread and processed cheese, etc., got me through 1-3 weeks sometimes. And there was no stove in the apartment either, so the camping stove had to be used.

Apart from weight loss, which doesn't bother me, there weren't many other side effects. I am completely healthy, slightly overweight, and whether my bald head at 34 is due to poor nutrition doesn't really matter to me; without hair, I actually look much better .

But basically, completely right, not a permanent situation. To stay true to one's principles, absolutely doable. I can fully understand Chand1986's line of thought. And Müllerin already mentioned that priorities differ for everyone.