To those who went with low DP in house financing, why did you do it?

Saving up money is a skill I haven't gotten into. I'm now 30, and I'm only just learning how to set aside money just so I have extra money on my bank account. It just feels like for a very long time, my money always has to go somewhere, regardless of how my income has grown.

For the past 5 years , I've been telling myself na I'll save enough money for the 20% down payment, but it just never happens.

Now to be honest, where does the money go? Personal luho, travels, and now lately medical bills. I can't get a grip of myself. But I don't regret rin naman all of the money I spent for those experiences. I just wish I was more determined about saving up money for this car. I know rin naman kasi I earn enough to pay for the monthly payment, it just never goes to where I want it to go.

I know the thing with low DP promos is that they're high interest. But at this point, I'm ready to accept the risk. I've done the math, and I said I'm fine with it. The only thing I'm concerned about is the judgment I'll get from other people.

By the way, I need a car for two reasons. My mother struggles with public transpo due to her age and condition. And two, I still don't know how to drive at this age. My reason for wanting to have a car has changed over the recent years, but these are my main motivations now.