Up Battle

If you are young I recommend that you put yourself on a money saving program.

Try to save 30% of what you make each month, no matter how much or how little it is.

If you don’t have any money saved, this is what you currently will get in DNB NOR:

If you earn 500.000 NOK per year, you will be able to have a total loan burden of  around 1.825.000 NOK. In that included any student loan, and common debt (”fellesgjeld”) on an apartment you buy.

If you earn 400.000 NOK per year, you will be able to have a total loan burden of around 1.460.000 NOK. In that is included any student loan, and common debt on an apartment you buy.

The formula is to multiply your yearly pretax earnings with 3.65 or something close to that.

So if you have 250.000 in student loan and earn 400.000 NOK, you will be able to buy an apartment for 1.210.000 NOK included any common debt (”fellesgjeld”).

What kind of apartment do you get for 1.210.000 NOK in Oslo? For example: Grünerløkka, 1 room, 23 square meter, 1.250.000 NOK total. Then you are 40.000 NOK short.

It is kind of depressing if you are poor. The only choices are become a capitalist or kill yourself. So I would recommend that you become a capitalist as soon as possible if you want a good life in Oslo. Get on with the money grabbing, don’t try to fight it, don’t be a socialist, welfare monger or artist.

If you want a low intensity life move as far away from Oslo or any other big city as possible.

Also if you are an artist et cetera that struggles to survive in Oslo consider not to reproduce. I don’t think life will be any easier for future generations of people that refuses to accept the game.

In the future there will only be rich and poor. Nothing in between. The sooner you chose side the less painful it will be.