Great, hopefully this will bring some clarity.
Mobility is not just cars, but also includes functioning bicycles and public transport costs. If you want to build, your situation might change.
That distorts the costs. I would also...
... include additional insurances that will come up later, e.g. building and risk insurance, possibly supplementary health insurance, at least for a calculation so that you can see in the end what financing remains.
Perfect, thanks for the prompt. We will have to deal with this more intensively and it should then be directly incorporated into the planning. Mobility costs are quite low due to bicycle insurance (all repairs are covered by the insurance) and are included in the insurance contributions. But the virtual depreciation of a bicycle could be included. I will prepare a better and more detailed breakdown of the expenses.
That should be A13 with allowances for three children and tax class 3.
Sort of, tax class 4, A13 and level 6 (I think). In one year then A14.
You don’t give the impression that you are under real distress due to the cramped apartment – that’s already a good thing.
You write that a bigger apartment would solve the problem of tightness, but you do not want to pay €2700 rent per month.
I haven’t read that building a house is a heartfelt wish, nor that living in an apartment is generally a problem for you, and I didn’t see anything about a desire for a garden either.
Therefore, I would consider buying an apartment in the appropriate size in the preferred area.
That’s true, the apartment is smaller with 4 rooms and 100sqm but of course still sufficient at the moment. A 5-room would just be nice and my children and also my husband dream of more space, a garden, and so on.
Since apartments here also cost from €700,000 upwards, we have considered a house with land as a more sensible investment for us. But if a bargain apartment comes along, we would gladly snap it up as well :)
[QUOTE="wiltshire, post: 692350, member: 71779"]
This sounds like it’s not satisfactory for you to have work in the private living space. I can well understand that. There are plenty of alternatives in Berlin – keyword coworking space.
Thank you very much. We both work in a public authority and thus have the option to work from home but no obligation. So having your own office is more of a wish than a necessity. For the sake of a cheaper property, this can also be dispensed with and our home office would then take place again at the dining table.
Those who can cook are definitely advantaged. That significantly reduces food costs while maintaining healthy and tasty nutrition.
Why drugstore expenses have to be a larger item, I have never understood. That is a completely inflated luxury market that tries to present itself as “necessary.” It is entirely possible to keep fresh and “presentable” on a low budget.
Well, the €800 were calculated very generously. We have 3 small children who generally eat rather little. We hardly have any expenses for drugstore items. But everyone simply has different demands. For us, it fits like this.
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