Comparison Monthly Expenses List

this is not a real liquidity calculation yet – because food, clothing, and mobility are missing. Otherwise agreed.

Well yes, this is real liquidity. From the money, whatever the amount may be, daily life can be managed. Whether it’s the holiday and the food there, the ready-made pizza at Lidl because you are sick, or the food in the canteen. These life costs are very variable. December brings big expenses, gifts, the goose, New Year’s party, ... in January then fasting, because you have to recover from the food coma and nothing major is planned. In February come the first trips to the snow or sun. In March the garden slowly wakes up and the hardware stores are looted again. April is Easter, where some parents go overboard and some fly on vacation. From May the wedding season starts again where you leave money behind if you are invited, etc. What is left at the end of the month can practically be saved.

I don’t think we currently end the month with only one euro. The money slips through our hands because we use it everywhere.

in January then the fasting, because you have to free yourself from the food coma

sorry, I need a base amount for food. And even the leasing bank or the public transport company always make such a bothersome fuss if the direct debit fails... yes, and even my old friend Olaf, the gas station attendant, doesn’t let me buy on credit. This money is de facto already spent!

Our income and expenses are as follows.

Income:

Me 3300
Her 3300
Child benefit 200

Expenses:

Her: Private health insurance 330€

Together:
Installment 1350
Saving for special repayment 400
Repayment building savings contract 90
Daycare + food 250
Electricity 90
Gas 60
Groceries 500
Saving building savings contract 80
Mobile phone 60
Internet 40
Water 22
Insurance + maintenance 80€

Total 3020€

Of that, I pay 1650€ and she pays 1350€, since she still has her private health insurance.

From my remaining 1600€:

Saving 500€
Car insurance 50€
Fuel 300€
Canteen 100€
Accident insurance 30€
Legal protection 40€
Disability insurance 70€

The remaining nearly 400€ then goes to things like clothes, outings, knick-knacks, and things needed for a new build.

For my better half, it looks roughly similar. Although she does not have as high fuel costs, she covers all expenses for the child, like clothes, etc.

Therefore, we are also in the fortunate position to pay for things like car maintenance out of cash flow without having to touch our savings.

I'm sorry, for the food I need a base amount. And even the leasing bank or the public transport companies always make such a annoying fuss if the direct debit should fail... yes, and even my old friend Olaf, the gas station attendant, won't let me run a tab. This money is de facto already spent!

you can gladly do that for yourself. For us, the food is not at all plannable with a base amount. Every month is too different for that. We've already spent everything from 200 to 800 €. I could now set 400 euros every month, but I would be lying nicely to myself.

Then you calculate the average and that's that. It's enough for the annual calculation so that you know whether you can afford the loan or not. When it comes to having money for food on the 31st, you just have to plan a buffer for the monthly review, equal to the difference from the maximum amount. Over time, everyone will probably be able to assess that for themselves. What kind of fundamental discussion are you making out of this again.....

I would be particularly interested in the gas consumption and the associated installments...