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California man buys a small island in Finland for $31k instead of down payment on a house

Russell and his girlfriend recently finished building their own log cabin on the island.

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Photo credit: CanvaCouple buys small island because it was cheaper than a house

The cost of living is getting quite ridiculous. Pretty soon people will feel like they need to take a loan out just to buy basic groceries. But there’s one area that has people struggling beyond compare and that’s the extreme cost of not only rent but purchasing a home. Many people are being completely priced out of the market causing people to rent longer than they’d like while some are having to move back in with their parents.

Due to the rising price of housing in American specifically, more people are choosing to relocate outside of the country in hopes to maintain a better quality of life on less money. There are entire Reddit channels dedicated to expat living and Americans looking to become expats.

Oliver Russell, 24 was slightly ahead of the curve with his exit from the United States. Though he is American, he’s also half Finnish giving him dual citizenship with ties to the country through friends and family that he visited often.

Russell grew up in Laguna Beach, California but after moving Colorado, he was denied in-state tuition which made affording business school nearly impossible. That’s when he decided to take advantage of the free college education Finland offers for it’s citizens, he had always dreamed of moving to Helsinki anyway.

It just so happened after getting settled into his second homeland, he met a girl. Helena Tomaszewska, 20 is Dutch and once the two got serious about dating the started looking at getting a summer home, which is standard in Finland. But during their search for the perfect home, the two discovered houses were expensive. The down payment alone seemed like entirely too much money for the young couple.

“In Finland, the summer cottage life is a huge part of the culture and I would come out here every summer. I loved the summer cottage life and wanted one of my own,” Russell tells SWNS.

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A man relaxes in a chair in front of the ocean Image via Canva

They continued their search, checking out different real estate websites for something in their price range. Just when it seemed like the pair was having a run of bad luck locating an affordable property for to serve as their summer home, Russell came across an island. Yes, an island. By the time the new Finnish resident came across the island, it had been on the market for 10 years and lucky for them it was within their budget.

The couple only paid $31k for the 2.5 acre island.

Unlucky for them, the island was completely overgrown with trees, bushes and moss. No one had lived there for more than 10 years so if they were going to build their summer home there, they had a lot of work cut out for them. That big detail didn’t deter them one bit. The two young adults got to work.

“Our plan is to build a log cabin completely by ourselves with no experience and transform it into a fully functioning summer cottage,” the man shares in a video that shows him chopping down trees and shaving bark off of logs.

finland, island, life hacks, life hack, california
A couple walks along the beach on an island Image via Canva

Russell and Tomaszewska purchased the island in March 2024 and have made several trips to ready the land for a permanent structure.

Russell tells Lad Bible, “We made a frame out of logs that we felled from trees and I got some decking from a hardware store. We then built an outhouse and I am now trying to build a shower structure so we can wash while we’re on the island. We wanted to get the base camp set up so we have a comfortable place to stay while the big building happens next year.”

There’s a requirement for the island, and it’s that a certain portion of it needs to be a sauna. It’s unclear if this is a requirement by the Finnish government or a deal between Russell and his girlfriend.

As of late summer 2025, Russell reports that the cabin is done and they are moving on to their other plans for the rest of the island.

The build is pretty impressive for a couple of students without much experience and only an electric chainsaw!

Living on an island with no neighbors really cuts down on the chances of unexpected visitors. But a trip to town get a gallon of milk or toilet paper would require a boat ride so hopefully they’re also including a large storage area.

How about you, would you live on a deserted island?

This article originally appeared last year. It has been updated.

  • 16 frugal living tips from around the world that might help Americans save money
    Photo credit: Image via Canva/Aflo ImagesInternational frugal living tips for people in the United States.

    People around the world have one major financial goal in common: save more money. Living a frugal lifestyle and cutting overall living costs is something that unites us all, regardless of the country we live in.

    While Americans also prioritize putting money away, others nationalities are better at it. According to GoBankingRates, the top five countries that save the most money are: Slovenia, Morocco, Sweden, Sri Lanka, and South Korea.

    Frugal people from around the world shared their best frugal tips on the subreddit r/Frugal from their cultures that people in the United States can use. These are 16 of their best money-saving tips.

    “Most highly specialized cleaning sprays don’t exist outside of the US. You don’t need 7 different sprays for every surface in your kitchen/bathroom.” – Ajreil

    “Buying a whole chicken and breaking it down is cheaper than buying pre-cut pieces. For millions of families breaking down a chicken is just part of shopping day.” – Ajreil

    “Buy produce when it’s in season and cheap, then pickle/dehydrate/ferment it to preserve it for the winter. Many cultures prepare 6+ months of produce during the summer.” – Ajreil

    “Line Drying clothes in the sun rather than use a dryer bc it’s not standard to have a dryer in most places around the world. I set this up on the balcony of my American home and it preserves my clothes and saves energy!” – krickitfrickit

    “The big one is having multi generational households, it’s a far bigger savings than anything you can list.” – Dismal-Bee-8319

    “I moved to Ireland and the way most people heat their homes here is to have the boiler turn on with a timer in the early morning for about two hours (eg 4-6am). This way the house is warm in the morning, then by afternoon the houses are oriented towards the sun and warm up that way. By the time the heat wears off in the evening, it’s time for bed. We had oil heat and radiators in Connecticut before this, a colder climate but the same system except with thermostats instead of timers, and I’m shocked how little oil we actually burn here. We filled our tank in April and the supply company said most Irish homes wouldn’t have another delivery until after Christmas.” – breadit124

    “In the hot summers, when I wake up I open my living room window and have a fan pointed towards out and turn it out the highest setting and then I open the bedroom window (my place only has 3 windows). What happens is with the fan pointing outwards instead to the inside of the house it is drawing out the warm/humid air from inside the house and pushing it outside and the other window is drawing in the cool air. Within about 1/2 – 3/4 of an hour I can reduce the humidity level in my place by about 10% and lowering the temperature by 2-3 degrees depending on how hot it is inside and cool outside or how long I have the fan turned on.
    I do this until about 9am when it starts warming up then turn off the fan, close the windows, close the blinds/curtains and my place is nice and cool inside all summer doing this every day. It is very noticeable just how much cooler the inside my home especially when I go from the outside to the inside. For my bedroom, to sleep, I have a ceiling fan above the bed.” – Rexzies

    “Buying whole chickens is actually more expensive for me here in the US. I used to do it in the 90s every month when I got groceries, but something changed and it was actually cheaper to buy rotisserie chickens or bogs of frozen thighs from the restaurant supply. Now? I buy Costco rotisserie chickens and break them down every month. Kind of like I used to, but pre-cooked.” – EducatedRat

    “Not constantly buying stuff? Americans really don’t understand or appreciate just how much nonsense we buy. In 2022, U.S. household final consumption accounted for 34% of the world’s total, when we’re only about 4% of the global population. Part of it is the average US household does have more income than households in other parts of the world, but we use that to just buy loads of utter…..sh*t.” – hyperside89

    “Not a ton of single use disposable things in the kitchen like – cleaning wipes (use rags), paper towels (use rags), ziploc bags (use reusable tupperware), clingwrap (put the thing in bowl with a small plate/lid on top).” – considerfi

    “We cooked pasta by bringing the water to boil and letting it cook for a minute. Then stirring a few time, covering the pot, taking it off the heat, and letting it sit for about 10 minutes. We did this because cooking gas was expensive. It was important to avoid opening the lid too early because it would let out the heat that was needed to cook the pasta.” – Mission_Sir_4494

    “Eat more canned and dried fish. People in Mediterranean countries and in Latin America and the Caribbean eat dishes made with canned fish such as tuna, sardines, salmon, mackerel, herring and different varieties of dried fish regularly. It’s cheap, high in nutrients, versatile and widely available.” – Clear-Taste-7178

    “In France, I buy laundry shavings, dissolve them in hot water and have laundry detergent. I bought some for €50 2 years ago and I only used 50% of the shavings. It also works for washing lots of things, from floor to ceiling. For softener, I use vinegar. Same for the dishwashing machine. And I don’t have a car, I only travel by public transport (metros, trams, buses, trains, carpooling). Finally, I buy a large part of my fruits, vegetables, cheeses, meats and fish from local producers (it costs me less, it’s better, and I prefer to pay them for their work). All this can be quite common in France, but also in other countries I imagine.” – Puzzleheaded_Ear1950

    “Cook at home. We make every meal at home, family of 5 and both parents work full time. Do a weekly shop and take the time to cook all meals from scratch. But then, eating out in Norway is very expensive. Make sure to have little to no food waste.” – Bookkeeper_Best

    “While showering we don’t let the water run while we put soap all over our body. And showering everyday is not always a thing. To shower, 3 steps. You wet yourself. Stop water and use soap. Rinse the soap. Done. I still don’t get how one would run the water while putting soap on: doesn’t it rinse the soap before it has had time to be on your skin and actually clean you?” – theelefantintheroom

    “Plug in air fresheners, spray air freshener and scented dryer beads. Unnecessary spending and potentially harmful for the health of your family. What are you breathing in when you spray those chemicals? Open a window. Wash your floors. Smoke outside. Put blankets down where pets sleep and wash them regularly. So many things we can all do instead of spraying artificial crap into the air we breathe.” – Canadasaver

  • Frugal people share the best money-saving advice from parents and grandparents they still use
    Photo credit: Images via Canva/spxChrome, irynakhabliukPeople who live frugal lifestyles share best frugal advice from older generations.
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    Frugal people share the best money-saving advice from parents and grandparents they still use

    “My mother taught me how to compare prices per item or ounce rather than by the package.”

    For those with great grandparents, grandparents, and parents from the Greatest Generation (those born 1901 to 1927) and the Silent Generation (those born 1928 to 1945), much can be learned from how to live a frugal lifestyle. These two generations lived through the Great Depression and World War II, two events that forced Americans to become more resourceful due to difficult financial situations, food scarcity, and rations.

    Today, people who consider themselves frugal are always looking for more ways to save money. To glean frugal wisdom from older generations that would still be applicable today, one frugal person posed the question on Reddit: “What frugal lesson from your parents or grandparents you still use today?”

    And many frugal people offered their best money-saving tips from their relatives that they still use today. From how to save on money to utilities, these are the best frugal tips from Redditors:

    Reuse from your kitchen

    “My grandma rinsed and reused foil until it crumbled. I rolled my eyes then, now I catch myself doing it. Funny how those ‘silly’ habits end up smart. Mine also saves glass jars, labeled lids with tape, turned t-shirt into rags, and froze veg scraps for stock. :)” – YourxCherry

    “I save butter wrappers in the fridge to use for greasing baking pans. To get everything out of empty condiment bottles, I pour a little vinegar, milk or whatever is fitting, then shake it up and use that for salad dressing or other cooking needs.” – so-many-cats

    “I love Tostitos salsa jars. Whatever I cook, such as soup, ground beef, pasta, the extras, or leftovers, everything goes into these jars. They are so perfect for portioning. One jar = one person’s meal portion. I literally have more than 30 jars, and they are incredibly convenient!” – Proud_Possibility256

    “I do not go grocery shopping until my fridge is empty including my freezer zero food waste. I have become very creative with recipes. Saves me money. Always take lunch to work.” – Samantha-the-mermaid

    “My grandmother took care of her five siblings during the depression after her parents died on .45¢ an hour. I make more money in an hour than she made in a week. She never wasted ANYTHING. She taught me to save bacon grease for seasoning, bread ends for bread pudding, leftovers for soup, and coffee grounds and eggshells for the garden. We didn’t carve our pumpkins- we painted them and made pumpkin pie out of it after Halloween.” – That-Response-1969

    “I sometimes hate it that I am like this, but one of the first odd things that come to mind is labeling bottles of home goods like dish soap, body wash, bars of soap, hand soap, etc. so you know which one lasts the longest after purchase. Keep in my mind, my grandmother grew up during the Great Depression. I also spent a majority of my days with her making food (predominately just standing around doing nothing useful). All of the meals we hold dear to our hearts are actually just frugal meals to stretch out. She would get extremely nervous if she came to your home and there were not canned goods. This is winter in the upper Midwest during the Great Depression to put it into perspective, along with canning and preparing for everything. This is a person that lived by candle light basically. When she finally had a icebox, every last meal had to be frozen. No matter what you made, it had to be able to sit there when necessary. You make no meal that cannot be eaten for three days or frozen solid for the next month. I still live by this routine.” – WideRoadDeadDeer95

    Make your money go further

    “My mother taught me how to compare prices per item or ounce rather than by the package.” – Chicpea09

    “My parents always framed purchases by how much time I would have to exchange for the item. So when I was in 6th grade and I wanted a TV for my bedroom and it was $120, I would have to do 6 to 10ish baby sitting jobs – then ask myself is it worth that exchange. This is still how I frame most purchases.” – BagNo349

    “My grandfather told me as a teenager that debt is how other people control you. I didn’t realize how true this was until my early 20s when I got into mild debt problems. Since then I have been majorly debt averse.” – Egon88

    “Mine told me if you cant pay the milkman 6pence this week, how will you pay him 12pence next week? Lesson learned. I pay my bills on time ALWAYS.” – Mundane_Sail_4155

    “My dad always said it’s not a deal if you can’t afford it. Of course he didn’t have slickdeals either lol.” – JasonG5

    “My grandpa always said ‘Pay yourself first.’ Even when money was tight, he’d stash $5–10 in savings before paying bills. I thought it was silly but that habit built a nice cushion over time.” – samdaz712

    Save on utilities and living expenses

    “I hang dry my clothing whenever possible. I find it strangely relaxing to stand outside and carefully hang everything up so it has good airflow. It reminds me of helping my grandmother hang out laundry on their farm. The only thing I changed was painting the tips of my clothespins so I can see them better and don’t forget them on the line accidentally.” – SpecificSkunk

    “MAINTAIN and REPAIR what you already own. Lubricate, tighten, clean. Change filters. Replace belts. Flush. Air out. Condition. Resurface. Store properly. Take care of your stuff.” – i_know_tofu

    “I patch and repair clothes that can be repaired instead of immediately buying new. For instance, we have a comforter that has gotten holes from the washing machine – cheap materials. I’m learning the Japanese art of Shashiko to patch it over my Thanksgiving week break. I find a used item instead of buying new immediately, when our dryer went out, I bought one from an estate sale for the same price as repairing the old one would have cost (and since it was on it’s 3rd repair – heavy eye roll on cheaply made crap – I don’t feel so bad. I line dry a lot of things. Not everything but a lot.” – LeftwingSH

    “I put on hoodies and blankets and refuse to turn the heater on until the outside temps are about 45 degrees.” – thedoc617

    “How to drive in order to maximize your miles per gallon and reduce wear and tear on the car. Accelerate slowly and try to keep under 2 RPMs. Leave a wide berth between yourself and other cars. Anticipate traffic/stopping, then let off the gas and cruise. Don’t ride the brakes.” – OrdinarySubstance491

  • Why Millennials have single-handedly saved the greeting card business from going under
    Photo credit: Image via Canva/Leeloo The FirstGreeting card.
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    Why Millennials have single-handedly saved the greeting card business from going under

    “It’s always nice when you can tell someone knows you and picked out a card that is your vibe. Makes you feel seen and valued.”

    There’s something special about receiving a physical, handwritten greeting card. Whether sent by snail mail or attached to a sweet gift, greeting cards are still alive and well in the digital age of communication.

    According to the Greeting Card Association (GCA), 6.5 billion greeting cards are purchased annually in the United States. And one generation is to thank for saving the industry: Millennials.

    “The millennial generation is now the largest buyers of greeting cards from a dollar standpoint,” said George White, Founder of Up with Paper, a pop-up greeting card company, and Past President of GCA, per the U.S. Chamber of Commerce.

    “[Millenials] saved our industry.”

    card, greeting card, cards, opening card, reading a card
    Valentines Day Love GIF by Julie Smith Schneider Giphy

    Carlos Llanso, Director of Strategic Initiatives in The Greeting Card Association, added that Millennials and Gen Z are both strong greeting card consumers. “They have friends they will text or post happy birthday to, but then they have those who are ‘card-worthy,’” he added.

    The deeper significance of greeting cards

    Sending messages and communicating online is constant, immediate, and often fleeting,” Dr. Pamela Walters, MD, consultant psychiatrist at Eulas Clinics, tells Upworthy. “Messages can be sent and deleted within seconds. Cards can feel slower and more deliberate which is why many people keep cards for years.”

    And they can help us connect on a deeper level. “As human beings we attach meaning not just to words but also to the medium through which those words are delivered. A physical card represents time, effort, and thoughtfulness to a lot of people,” adds Dr. Walter. “It signals that the sender has slowed down to acknowledge you personally. For millennials (who, let’s not forget, came of age during the shift to digital communication), the tangible nature of a card can feel more special. Psychologically, these little things that show care can definitely strengthen bonds.”

    snail mail, sending mail, mail, card, greeting card
    Mail Send Me GIF by alimacdoodle Giphy

    Of course, greeting cards also bring an air of nostalgia. “There is also a bit of a nostalgic element. They experienced writing thank you notes as children but also grew up texting and on social media,” says Dr. Walter. “That duality means they appreciate the novelty/intimacy of something older fashioned.”

    Millennials are pumped that they “finally saved something.” One explained, “It’s exciting to get something personal in the mail. Plus it’s always nice when you can tell someone knows you and picked out a card that is your vibe. Makes you feel seen and valued. I’ll slap them on the fridge for a bit.”

    mail, opening mail, card, cards, greeting cards
    Send Me Spongebob Squarepants GIF by Nickelodeon Giphy

    Another commented, “I keep almost every card I get/have ever gotten. Someone took the time to think about the perfect card to give me, and then also wrote a personalized note inside.” Another shared, “I love getting cards, especially when someone writes a message. I keep mine. If they’re holiday cards, I display them annually.”

    Other Millennials shared where they like to buy their greeting cards. “I buy them from the dollar store because they’re not worth $7-$10,” one wrote. This one added, “Trader Joe’s sells greeting cards for $1.” Another wrote, “Aldi sometimes sells bulk blank cards for $5. I have a ton. Also, check for bulk cards if a child family/friend is having a school fundraiser. Sometimes the ones with wrapping paper have bulk blank cards.” Another spilled, “Marshall’s has some really cute fancy ones for under five dollars too.” And another added, “I grab them from Homegoods when they put them on clearance at the end of a season.”

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