Crogxil
2012-12-10 12:20:45
- #1
Hello everyone,
we are pondering and despairing. Can we afford a house? Whether new build or used.
We are currently in the child planning phase. Our net income at the moment with one child will be 2890 plus 184 child benefit, so just under 3074 euros. That is what we will have when my wife goes back to work at 50% after one year – before that a bit more. I will also soon earn a bit more. So this is just a starting budget.
Somehow the costs are eating us up. I have broken it down exactly so you can get a better overview.
Now I have calculated the following:
Total: 2433€ – leaves 641€ for repayment.
Ok, in 1.5 years I will get 200€ more net – so a repayment of 841€ is possible. That is all very tight, isn’t it?
Well, we still have a buffer of about 200 euros per month. (Christmas bonus, vacation pay, etc.) But I don’t want to factor that in. Equity is about 15,000 euros available.
We don’t earn that badly and don’t have that many extras now. Can a normal earner not afford a house today? How do you do it?
we are pondering and despairing. Can we afford a house? Whether new build or used.
We are currently in the child planning phase. Our net income at the moment with one child will be 2890 plus 184 child benefit, so just under 3074 euros. That is what we will have when my wife goes back to work at 50% after one year – before that a bit more. I will also soon earn a bit more. So this is just a starting budget.
Somehow the costs are eating us up. I have broken it down exactly so you can get a better overview.
Now I have calculated the following:
Additional costs 415.00 € (Heating 100.00 €, Electricity 100.00 €, Water 30.00 €, Sewage 30.00 €, Property tax 25.00 €, Trash 20.00 €, Insurance 25.00 €, Maintenance 20.00 €, House reserves 50.00 €, Firewood 15.00 €) |
Household money: 700 € (Food, personal care products, household supplies for 2 adults + child) |
Savings 150 € |
Kindergarten 180 € |
Phone 50 € |
Cell phones 17€ |
Fuel 250 € |
Private pension insurances 122 € |
Disability insurance 50€ |
Car insurance for 2 cars 65€ |
Car loan 100 € |
Dog & cat food / vet insurance / 100 € |
Dental supplementary insurance for 2 persons 32€ |
Car tax for 2 cars per month 45 € |
Liability insurance 7€ |
Parents’ pocket money 150€ (sometimes going out to eat, clothes, sometimes treating ourselves, hairdresser and co) |
Total: 2433€ – leaves 641€ for repayment.
Ok, in 1.5 years I will get 200€ more net – so a repayment of 841€ is possible. That is all very tight, isn’t it?
Well, we still have a buffer of about 200 euros per month. (Christmas bonus, vacation pay, etc.) But I don’t want to factor that in. Equity is about 15,000 euros available.
We don’t earn that badly and don’t have that many extras now. Can a normal earner not afford a house today? How do you do it?