100% financing - I understand that!

2020-04-24 10:25:49

However, it is now very uncommon for mothers (even if they could afford it financially) to stay at home with their children for more than 3 years.

At least from my construction area, acquaintances, and circle of friends, I can give you an idea. Women only work full-time starting from elementary school age. Many work part-time from the second year or not at all initially.

Yes, there are also those who go back to full-time work after 2 years despite having 2 children (known couple, only one child) but they don’t build.

If you decide to have 2 or more children, the whole topic of 2 full salaries is postponed even longer.

For many, daycare/nursery care then takes up part of the part-time salary as well, and suddenly the calculation that was made before having children is completely useless.

2020-04-24 10:32:11

Yes, friend and acquaintance circles can be so different. I don’t know anyone who has been on parental leave for longer than 18 months. Most go back to work after a year, not because they have to, but because they usually want to. My wife also only wants to take 12 months of parental leave, and after that, we will both reduce our working hours to 70%. For us, the loss of income is then limited to about €500.

2020-04-24 10:36:56

I never quite understand the kill-argument from some people about future children. Of course, the mother will stay at home and then not earn anything from the second year on. However, it is nowadays very unusual for mothers (even if they could afford it financially) to stay at home with the children for more than 3 years. This time is quite short in relation to the entire financing period. Of course, sacrifices have to be made during this time and money has to be saved up for this period, but it is still manageable.

The big problem in my opinion is the social pressure and social media. It always has to be the latest phone, new brand clothes every year, and of course several holidays a year.

Children cost money. On the one hand, you have costs for clothing, food, childcare, clubs, additional expenses for purchases (children's room), additional holiday costs. None of this is covered 100% by child benefits and tax reductions.

On the other hand, one parent reduces to part-time. This also means a loss of income here.

I don't know anyone in my environment where both parents work 100%.

2020-04-24 10:40:19

It should be noted that some of those who present their financing here in the forum, whose money is not so plentiful, do not actually have to cut back on their household expenses because they are already managing well.

People tend to project their own standard of living onto others and see some calculations as very tight. But not everyone pays €400 per month for their car or spends €200 weekly on groceries at Edeka/organic markets and co.

So some questioners in the forum are a bit surprised at how much some have to set aside monthly to finance their leisure activities.

I live frugally as an example and wonder what some of my friends spend on food, car, leisure, and co. And I do not feel like I am missing out, but I also like to treat myself – just in moderation.

Some do not understand that this does not mean self-torture, but rather that one simply lives as one was shown by their parents and actually feels very comfortable with it.

I have a different perception. Those who manage well do not go online and ask the "can we afford it" question. They know they have solid finances.

It is usually the questioners who themselves know that finances are tight, or the building dimension doesn’t fit (see also 1, I have a manager title at work and therefore want to build a castle).

2020-04-24 10:43:14

Yes, friend and acquaintance circles can be so different. I don't know anyone who has been on parental leave for longer than 18 months. Most go back to work after one year, but not because they have to, but usually because they want to again.
My wife only wants to take 12 months of parental leave as well, and after that we will both reduce to 70%. With us, the salary loss is about €500, which is manageable.

If I have calculated correctly, then 140% instead of 200%. The absolute amount varies for everyone (tax classes, income level, etc.).

Nevertheless, financing often comes up where even with both working full time it is tight, and often the man says "we don't want children" or "not planned for the next 8 years."

2020-04-24 12:05:37

My wife now has one year of parental leave and wants to work full-time (35 hours according to the collective agreement) afterward. She has no interest in working less, quote: I didn’t study for four years so that after the birth of our child I only do the idiot jobs in the company because of part-time work, for which I didn’t have to study. She enjoys her work, so why should she stay at home for three years or only work full-time again once the child starts school?

To me, it sounds like some women do not enjoy their jobs and use the child as an excuse to take a long break. I find that totally creepy and also inappropriate from the women.

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100% financing - I understand that!

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