Additional costs and reserves? What are you planning there?

Overall maybe not so wrong, but the calculation method is. Trying to generalize water by sqm is nonsense and anyone who pays €0.85 per sqm for heating has also done something wrong.

and property tax is also related to the size of the [Grundstückes].

And with the building on it as well as the municipality's multiplier. According to the formulas, we would have to pay over €160 for heating, which we do not even pay in a similarly sized house from the 1970s. For that, the property tax would only be between €450-500, I am calculating with double that.

This is the current plan. Highest item is the property tax, planned too high if lucky.

Property tax 100 Water (including sewage) 45 Rainwater 25 Waste 20 Street + winter service 10 Electricity 75 Heating electricity 50 Insurance 40

we are currently planning with about a 30% rate.


In my opinion, that would be a big mistake. What if, for example, the car unexpectedly breaks down? Please never do anything without building reserves. This also applies, for example, to buying an apartment.

The reserves only apply to the new building. It is clear that reserves for the car should remain. But the risk is foreseeable for us because we only drive BMWs, and I can do many or almost everything on the car myself. But for everyone else, you should of course plan around +–200€.

But the risk is foreseeable with us because we only drive BMWs ...

If only someone had told me earlier that you never have to replace them...

If only someone had told me earlier that you never have to replace them...

Sure, then other vehicles of the same make just come along. Of course, if you have changing tastes, it’s slightly more difficult for you.

But a car is basically a car, just like a concrete wall is a concrete wall. If you stick to the principle and can do quite a bit yourself, you save money; if not, then you don’t. As is usual everywhere in life,