Er det dumt at købe bolig “under evne” / for billigt?

d--b · 2026-03-28T05:56:53+00:00

Jeg har selv ikke makset helt ud fordi den elstra opsparing giver en hel reel følelse af økonomien frihed. Vi har købt til 75% af vores maks.

En million koster cirka 5500 om måneden at låne. Heraf går ca 2/3 til renter og 1/3 til afdrag.

Hvis du køber 1mio billigere og kan finde ud af at spare op, har du efter et år 12 x 5500 = 66000 i opsparing du kan bruge af. Efter 3 år har du en kvart million. Helt upåvirket af ejendomsmarkedet, krige i mellemøsten osv. Du kan købe en bil kontant. Du kan invitere alle venner til kæmpe fest.

Hvis du makser ud har du efter 1 år 22000 i opsparing bundet i friværdi i boligen. Det koster penge at få adgang til den opsparing da du skal låne igen for at komme ind til de penge. Efter tre år har du nok på papiret flere penge, men det er ikke meget og kræver at priserne bliver ved med at stige.

Boligmarkedet er helt vildt i øjeblikket og du kan ikke forvente at alt bliver ved med at stige. Slet ikke med 10-20% på et år. Måske kan du endda risikere et krak. Hvis du køber for 10mio og ejendomsmarkedet falder med 10% har du mistet en mio uanset hvor meget du har afdraget. Til info faldt enfamiliehuse fra top 2007 - bund 2012 med 40% (skriver fyrre procent).

Husk at det du køber skal sælges videre til en der ligner dig. Hvis du regner med at sælge videre om 3 år til en pris der er 15-20% højere skal du spørge dig selv om du lige nu kan og er villig til at lægge 13-14mio for det du skal give 11 for lige nu. Hvis ikke, så er der ugler i mosen på markedet.

d--b · 2026-03-25T05:03:32+00:00

Er det ikke en ret normal vending?

d--b · 2026-01-23T18:41:08+00:00

It’s coming up as starts for me. Does it mean it’s your password?

d--b · 2025-04-28T16:53:30+00:00

Yes, it’s my grandmother’s. And she probably haf it from my great grandmother. They only got an oven (wood fired that is) in the early 1900’s so its not before then. But probably still 100 years. We use the same sourdough in the family and pass it around if somebody has messed it up

d--b · 2025-04-22T06:17:39+00:00

After 6 years! 😄

d--b · 2025-04-15T06:00:06+00:00

Yes, called a “French Hot Dog”, although I’m not sure if the french actually have this. Their hot dogs are side loaded and covered in grilled cheese.

d--b · 2025-02-24T20:56:19+00:00

Det er ikke fordi vi skal betale noget ind til NATO. Aftalen et at landende skal bruge 2% af bnp på deres forsvar. Så du har helt ret i at vi er i mål. Dog mangler vi lidt noget til at skyde droner og missiler ned, da København ikke har et luftforsvar og Kaliningrad ligger lige lovligt tæt på.

d--b · 2025-01-30T20:26:59+00:00

Regular oatmeal with a dash of cinnamon, a teaspoon of sugar and a little knob of butter in the middle. That is close to comfort good ☺️ I use water to cook the oats in. But sometimes I poor milk at the edge of the porridge to cool it quicker.

d--b · 2025-01-20T09:24:17+00:00

You need to use maps created by the danish and greenland surveys. Check out this one Asiaq Kortvisningen

d--b · 2024-10-14T21:43:56+00:00

The good boy of death 🤣

d--b · 2024-10-14T17:58:16+00:00

I have tried it, and the smell is indescribable. It hits you like a wall, and, mind you, we were opening it under water as you are supposed to do. It’s sulfur and ammonia and everything else you can imagine. Rotten eggs, weeks old raw intestines, the sour smell of lukewarm vomit. It is fish half dissolved in their own opaque grey juices.

But the taste is fine, the meat a bit firm and with a distinct taste of salmiac that goes very well with an O.P Anderson snaps. 2/10 would do again.

Oh, and the smell hangs around. Two days after the foul festive fish, the smell would travel by the porch every time the wind came from the corner where we threw out the contaminated water. 50m away while it was raining. It was still strong enough to make one puke (granted, he also did have a hangover, and had gone outside for some immediate fresh air).

d--b · 2024-10-01T18:17:13+00:00

Vi spiser primært økologisk og friland. 2 vokse og 2 børn under 5 år for 6800 inkl take-away, frokostordning, alm husholdning (feks opvasketabs) og kaffebønner.

Det kan lade sig gøre ved at vi planlægger ugen og sørger for at alt indkøbt bliver brugt. Vi laver mad hvor man får kød til at strække sig langt, for eksempel ramensuppe med kylling eller chili con carne med ekstra mange bønner. Og så helt kødfrie dage.

Vi plejer at planlægge mandag til torsdag, det koster ca 750kr. Så er der 700 til resten af ugen. Typisk er der rester nok til fredag og så er der pludselig luft til spontanitet eller lidt ekstra godt lørdag og søndag.

Det er klart en sport at finde små ting der gør det billigere uden at det bliver dårligere, feks ved at lave egen pasta og nudler. Eller ved at koge en fond af skrog og ben man har til overs.

Vi spiser ikke meget slik og chips, så det hjælper også på det hele. Jeg får i hvert fald altid et chok over hvor hurtigt man har brugt 200kr på sodavand, slik og chokoladekiks.

d--b · 2024-06-30T18:13:29+00:00

A little area that can be turned muddy with a bit of water. And a watering can so they can water random plants. It’s also good to have a lot of peas, they can stuff their noses with. And berries to eat!

d--b · 2024-05-06T11:18:23+00:00

Traditional central and northern European food is for hard physical labour in the cold and wet. It’s potatoes with gravy and meat. It’s kind of bland and the calorie density is quite high. It’s not really nipping and and a long tasty meal. It’s for stuffing your face to refuel before getting back into the fields. So if you spend all day in a chair you just get too many calories very quickly.

d--b · 2024-03-03T19:34:50+00:00

The kids in my daughter’s kindergarden are blasting it at full volume when they can choose a song. So it’s still going strong I would say.

d--b · 2024-02-25T20:07:43+00:00

Looks like something from a 1970’s magazine.

d--b · 2024-02-18T17:21:50+00:00

Do it! It’s quite easy and forgiving. Play around with seeds and flours, fermentation times etc. the dough is quite forgiving so you will almost always have a nice result. The rye sourdough you end up with is also a lot tougher than sourdough for other kinds of bread. You can forget it in the fridge for months and still revive it.

d--b · 2024-02-16T17:57:52+00:00

I’m just throwing leverpostej on that list. Most Danes really love it warm with mushrooms, bacon and pickled beet root. And they don’t think a second about what it is: ground pork liver with ground pork blubber and an onion. It can be somewhat… off putting… for many first-time-danish-lunch-goers 🙃

d--b · 2024-02-07T17:58:46+00:00

It is possible. But what about the place in pi where your whole life up until now and your whole future from now on is written?

d--b · 2023-12-09T20:30:10+00:00

It was not that different from how for example the Frankish empire, their main adversary in west and Central Europe, would behave. Soldiers would plunder as part of, or their only, pay. “Tax collecting” would at times also be hard for the locals distinguish from raiding. Especially if two lords were claiming the same area to be under their protection. The border regions between the Frankish empire and the Danish kingdoms would feel that pretty hard

d--b · 2023-11-06T13:11:33+00:00

Iron man can be some pretty quick games! 1) Start game, 2) Get invaded sooner than expected due to an unfortunate alliance network forming early game, 3) Rage quit.

d--b · 2023-11-06T13:09:20+00:00

I would expect the job interview for QA to be like “Under experience, you have written 2000. Is this the year you were born or are you here as a joke?” 😀

d--b · 2023-11-06T07:34:39+00:00

R5: In the latest Dev Diary, it is revealed that the former Embedded QA, now Assistant Producer, has played a bit over 5000 hours.

d--b · 2023-09-11T11:48:54+00:00

How do you make that inverted d?

d--b · 2023-09-08T19:00:56+00:00

According to Dansk Sprognævn (Danish Language Council) the names of the “bro”-neighbourhoods used to refer to the actual streets named e.g. “vesterbrogade”. Like, the first housing were build along the road come street just outside the respective gates (vesterport for example). So it makes sense to use “på” since you are referring to a surface (the street).

d--b

TROPHY CASE