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I am emerging slowly from my huge investment in 2013. I had to carefully budget everything. I should have about 2k in cash now. Even though I kept on paying about 1450 Euros per month for rent and mortgage. The rent will be reimbursed in the final payment for the studio as late fee.

Becoming an owner creates direct “auto” savings. I no longer need to save 1000 Euros aside. Part of it goes directly to my mortgage and is saving money. If I am lucky and the price of my studio increases in the future, I would make more interest from my investment. I shall see some return in 5 or 10 years. I no longer pay rent and I am very happy about it.

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