
Signing my life away
Well, you may have noticed that I haven’t written much lately since I have been buying a home. Part of the dilemma has been whether this decision will simplify our lives, and if the past few weeks are any indication, I would say not.
I don’t know whether it was my upbringing or our culture, but it was always ingrained in me that buying a home is the most sensible thing a person can do. I was trained to think that this was a wise use of your money and led to less waste of resources. I think this could be partly a cultural training as home ownership rates in the US average 68% and in Germany they are only 42% according to Wikipedia. In researching my decision, I also came across a great calculator at New York Times that compares renting versus owning, and in many cases, renting can actually save you money in the long run. For example, as a renter you don’t have to worry about repairs, improvements, property taxes, etc. So in many ways, renting is living more simply.
I also wonder which way is most Biblical. If we really wanted to stick to the teachings of Jesus, I don’t think we would buy homes. After all, Jesus says don’t worry about tomorrow and don’t store up treasures on earth because where your treasures are your heart will be also. I can certainly see the obsession that can develop as you worry about your home and possessions. Ideally we would all be focused on more Godly thoughts of loving other people. If I were a really good christian, I should rent an even cheaper place and instead of saving, should be giving my money to the needy. Also, instead of all the time spent focused on keeping up with the house, spend that time helping people.
As an expatriate home ownership becomes even more complicated. Every indication is that it makes more sense to hold onto your home for longer, and as an expatriate, you may not plan to hold a home in a foreign country for long as your job may take you away, or you don’t have the family ties to keep you there. Furthermore, the customs and regulations around buying homes are different. For example, in the US, it is common for people to buy and sell several homes in their life. Owners often consider the resale value of their home and make modifications to increase its value. In Germany, on the other hand, people tend to buy for life and don’t have the same motivations to make improvements. Therefore, when you go to buy a home, most of them haven’t had any remodeling in 20+ years and will need some pretty extensive work before you move in. Of course, the biggest obstacle to buying a home in a foreign country is language. You may not understand the home descriptions or legal terms of the contract. Shopping for loans or vendors and products for repairs becomes even more complicated.
To make things even more complicated, we bought a new build.

Our hole
This means complications in terms of clauses for finishing work, choosing all kinds of materials, making architectural adjustments, etc. Each element requires lots of research, meeting with people and working into a budget. Did I mention it is all in a language I am not fluent in? This explains why I haven’t been to bed before midnight in over a week.
So considering all the complications I have just added to my life, why on earth did I decide to go ahead with the purchase?
- Well, first of all, we are all human and don’t always make the most logical decisions. Perhaps part of me couldn’t overcome that sense that this is what I ‘should’ do?
- Our family size has doubled (from 3 to 6) since we have been in our current home, so I was feeling the need for a different arrangement of space. We won’t actually gain much in space, but we will have more rooms to separate people (my husband and I will have our own bathroom – yea!). We will have a little outdoor space to expand slightly out to for eating or entertaining or even to store bikes and outdoor. Honestly, I have dreams of a much bigger home, but at least keeping to a modest size does force us to be a bit more purposeful in our living.
- After running LOTS of calculations, we have decided this will be a good move only if we commit to keeping the house for about 15 years and trying to pay it all off by then. It then becomes our forced savings as we realize we haven’t been as diligent about saving money while living in Germany. However, we don’t want to feel we have to stay in Germany, and the location we bought in will be easy to rent or sell.
- Since it is a new building, we will be more energy efficient. I also plan to look for more environmentally friendly floors and other features where possible.
- Finally, there is always an appeal to having your own place to be able to do what you want in terms of design. Now this does mean my thoughts will probably not be focused where Jesus says they should be, so I will need to work on that!
Therefore, buying a home may not be the answer to living simply, but one can still (and should?) make choices with a home to simplify their living.
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