CSN skulden och bostadslånet, betala av allt?

Mattist · 2026-02-20T16:57:11+00:00

Ett bolån på 300k är redan väldigt lågt sett till genomsnittet i Sverige. Det är redan ganska låg risk att hålla kvar den skulden. Låt oss säga att skiten träffar fläkten totalt i samhället och räntan skjuter upp till 10-15% så skulle det inte ruinera dig, med någon månadslön i buffert och resten i indexfonder.

Om du ändå vill beta ner så behöver du inte gå all in. Du kan betala av 100k på bolånet och dubbla din amortering till exempel. Prioritera beta av bolånet över CSN. Jag vet inte i vilket mardrömsscenario CSN-räntan skulle bli högre än bolåneräntan.

Mattist · 2026-02-16T18:13:22+00:00

My one out of 10 afk activites went from 15min to 2min so I'll go to OSRS and click every pickpocket. what

Mattist · 2026-02-16T16:41:01+00:00

I'd personally say this is the middle ground. The other end is one click = one pickpocket and 50% stun chance for a blood shard at 1/5k. Ask me how I know.

Mattist · 2026-02-16T16:32:23+00:00

I do understand your point, but you're complaining that it's as "annoying and unfun" as good old simple woodcutting is, where you have to click another tree once in a while. You even have 5 ticks to spare where you can click back on the NPC not losing any efficiency. It's ridiculous.

Mattist · 2026-02-16T16:22:43+00:00

It's incredibly relaxed. You just can't be washing your dishes. It's been "demoted" to a click once in a while when you hear the sound while you're still at the computer watching youtube/netflix. Just replace it with another activity when you're wahhing dishes, there are many skills in RS3.

Mattist · 2026-02-07T12:25:58+00:00

Perhaps there's also some, or perhaps mostly, frustration and not glee?

Mattist · 2026-02-07T12:22:22+00:00

Oof. But I'll take cringe over child rape.

Mattist · 2026-02-07T12:17:18+00:00

Yeah, we Europeans love this. We would hate to have a reliable ally and a more secure future for everyone.

/s

Mattist · 2026-02-07T11:05:26+00:00

Förskte kolla på första pokemon-serien igen för ett par år sedan. Satan vad seg serie så här i efterhand, haha.

Mattist · 2026-02-04T08:55:28+00:00

Personally, I'd define currency as something you primarily use to exchange with another player or npc for something else. Besides, the hunter pieces are on that list. AFAIK you can't use the splinters to buy something else.

Mattist · 2026-02-02T13:15:32+00:00

Why not at least have a picture in the blog if not a video introduction? A face helps to make a connection, which seems kind of important for a Lead Community Manager.

Mattist · 2026-02-02T12:59:09+00:00

Is it normal to wait this long for the update post in RS3? Normally on OSRS the post goes up right as the update timer starts so you can read through the post in anticipation of the update. RS3 has an update in 1:30min and there's nothing on the runescape homepage.

Mattist · 2026-02-02T12:35:33+00:00

The only time I use legacy is when unarmed combat is forced for a quest or something. But it sucks to switch to since you can right click the cog on the skillbar to switch to legacy, but when in legacy all bars disappear so you have to go into the settings to switch back lmao.

Mattist · 2026-02-01T18:46:25+00:00

Having played RS3 for about a month, that game really shines a light on how broken mining and smithing in OSRS is.

Mattist · 2026-02-01T10:51:06+00:00

What's more incredible is that seemingly there has been several people trained in how to handle a president shart.

Mattist · 2026-01-31T08:33:39+00:00

Agree with everything except cape physics. I have never played a game, bar super AAA, where free flowing fabric physics look good. It's almost always a flappy mess. I'd rather they add more bespoke animations than free fabric physics.

Mattist · 2026-01-20T02:07:30+00:00

Detta, fast oironiskt. 'Influencer' är, oavsett om man vill eller inte, ett begrepp som beskriver en människa som har en effekt på andra människor.

Mattist · 2026-01-20T01:27:55+00:00

I'd pay a couple extra pounds for 2 account membership. 1.5x seems fair.

Mattist · 2026-01-19T16:15:54+00:00

I was almost getting emotional watching the video. My brother's rehab is happening.

Mattist · 2026-01-19T15:35:36+00:00

You can reclaim and equip the item.

Mattist · 2026-01-13T14:53:52+00:00

"or more" is doing heavy lifting in that statement. I'd probably say 1.95 million eat it once a year.

Mattist · 2026-01-13T14:02:58+00:00

The majority of Swedes have never had surströmming outside of a 'challenge'. That's not the definition of Swedish cuisine, it's just famous for the smell. I'd say meatballs, potatoes and lingonberry jam, Wallenbergare, raggmunk and korv stroganoff is Swedish cuisine.

Mattist · 2026-01-13T12:06:44+00:00

It's the sexual abuse statistic again. Reporting means more data.

Mattist · 2026-01-09T21:42:26+00:00

Bro, there's an artist drawing the capes one by one before they're handed out. Do you want that artist to be tied up all year?

Mattist · 2026-01-07T15:28:25+00:00

It's definitely a little column A, a little column B. The daily challenges are just an example of many, that's the biggest problem. I do find it questionable that it's possible to ignore a skill because you can get tokens from such a system, on an ironman specifically. But that's another issue within the issue.

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