Poland here. Was quoted 2-3 months ago anywhere from 9.5% to 11.10%. Fixed rate for 5 years and then it would be updated to whatever the new rate will be.
I refused, gave up the purchase of a house till the prices will calm down (if ever), going to buy a boat to live aboard.
Switched to DuckDuckGo years ago. Using Google only occasionally. Recently I have been distancing myself from both, using a combination of search.brave.com (works at least as good as DDG) and SearXNG.
The original name I wanted on Reddit was taken. Here it was not, so I changed.
@WonkoTheSane My idea was to be able to nudge people over there to come here with "hey, there's already a magazine there".
Spotify. The convenience is unbeatable.
And nothing else. Don't feel like I need to have any other services. They are all "nice to have". I don't really have much time to watch anything these days so paying a fixed amount to watch perhaps one season per month seems wasteful.