<prompt> Human: Just wondering whats a healthy strategy here. Right now I got a decent amount of savings and every month I get 2k left over after expenses. There are some things I want to buy for home, that would total 3-4k. I could straight out buy it from savings, but is it bad practice to take loan? The APR is quite low3-4 in the store. The reasons why Im tempted to take loan are:1 I really dont like when the number in my savings goes down. Feels like whole month wasted - while losing small per month would feel less impactful.2 Im planning to purchase a house in 2ish years. In my country theres no credit score as in USA, but credit history is still important for banks in whether they feel safe to give the mortgage and the deposit for purchase.Any suggestions about whats a healthy decision in such cases?  <response>: Yes, its generally bad practice to take out loans for discretionary purchases, doubly so if you can easily afford them with a couple months worth of saving. Youd just be wasting money on paying interest for no reason. 