<prompt> Human: Hi Everybody,Im new to this sub but thought id give it a go. Im in my first year of freelancing and so far things are going well. I dont want to blow my money on London like I know lots of other people do. I am considering getting a boat to save on rent. How does this work out? I also thought it might be useful to take out a loan at this stage in life to build my credit rating as im told getting a good credit score as a freelancer can be difficult. What do you reckon? Im on about 30kyear at the moment but obviously this is subject to change. Thanks for the help!  <response>: Hello livaboard guy right here. I fucking love living on my boat. It is a lot cheaper both in cost and maintenance than a house, but there are downsides. First boats only lower in value so keep that in mind. Yes you have to take hull the boat out every 5 years but that is not so bad compared to replacing your roof or any of the other problems on a house. A podcast you might like is river living it is a podcast about the London canal boats and the people who live in them. Good luck and have fun. Take your time and be happy to walk away. 