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I think it is a wise decision to loan with regards to a mortgage. I will do the same thing I did in your shoes.I have never borrowed any money except I have taken out a mortgage loan when I bought my apartment many years ago. I also use credit card for cash back.
That's good that you can save money so that you can use it if you need something to buy. In as much, we should not borrow from the bank or app because the interest is so high.Personally, I try to avoid taking personal loans as much as possible. I prefer to save up for what I want rather than borrowing money.