We are family living in Poland, we have a small baby and 6 chihuahuas ( not breeding, just to love, we love animals ) and everything would seem to be good and awesome but living in Poland it's so expensive, our government sucks. It's like you have your salary and all you gave it's to payments for home, life, etc.

We took a credit to buy home and two other credits to have warm at home and for just a little renovations because it was an old home. First year living here was so easy, loan installments was really tolerable and after that year months by months it was growing up because of politics because of our government, we have to pay more than 50 % for mortgage home credit and two smaller credits still growing up because they are cash ready credits. Life in Poland is so hard, increased prices for basic items to make a simple shopping articles, sometimes we must borrow money from family, because after we pay for payments and buy everything what is need for our kid and food for dogs, me and my husband have to eat the cheapest food and always the same, we would like to have a better food to eat, travel, buy clothes etc., just buy simple things to have a normal life to provide a better future for us but how if government can still increase the mortgage rate after 5 years, they froze our rate for a fixed interest rate but it's 50 % bigger than it was when we took it, because now we have fixed installments but it depends on what the loan amount will be in these 5 years when there will be a new rate generally accepted in Poland, we don't want to loose our home one day because payment for home will get our both salaries... the most funny is that our salaries are not on the smallest level in country that's why we can't get help from anywhere any polish help institutions because credit costs are not taken into account, they calculate only what we got and not what we must pay for payments so if anyone could just send whatever we will be so thankful. Long time I was thinking create it or not, because there is many families in Poland like we but well maybe somebody could help just a bit.