Construction financing, failure, and setbacks

The money is not lost. In the end, you file a tax return and pay. Regardless of what the tax classes were before. If you have no other income, then the income tax assistance association

From the perspective of the tax amount, that may be true. But if you want social benefits, it’s a different story. The well-known example is parental allowance, the amount of which can be positively influenced if you temporarily adjust the tax classes.

yes, this was about the change after entering [Krankengeld]. Before that, it would be detrimental.

Please explain it to me?

Since this is off-topic, I sent it to you in a private message. I think we both should have enough posts so that the conversation works.

Works. (Filler words)

Is there actually a checklist for cases where you can receive money, or which levers you can adjust to reduce ongoing costs.

It is unfortunately not that rare that someone is sick for a longer period. We are not talking about 3 weeks of sick pay here.

You have given me a lot to research and think about.

Today not much groundbreaking came out at the clinic, I now have to wait almost another week until everything is certain. However, the signs are increasing that I might manage with a few months of [AU] and if we are talking about a period of less than 6 months, then we will probably get by without initiating major changes. It looks like it will be possible without chemo, which is the best news for me at all.

We can change our repayment twice for free, I still know that, I paid attention to that back then. But that would be more of an ultima ratio for me; I would rather turn other screws first.

And I have to honestly admit one thing. Although I had basically thought about illness/unemployment or death before the mortgage financing, when it gets concrete, you are completely unprepared. And exactly this moment – when you first think in detail about the concrete situation that has occurred – shows you how little idea you had before and how superficial the previous considerations were. When I read here in the forum about the amounts sometimes financed on much shakier constructions, I can only strongly advise everyone to inform themselves much better.

Dear

don’t let yourself get confused here. First, focus on yourself !!!!! and the rest will fall into place on its own....

By the way: I never had to pay any additional taxes or anything else. Even the health insurance (AOK) required zero co-payments for anything. Neither for the cancer therapy nor my mastectomy with reconstruction....

In the end, I actually had more money per month than when I was working (sounds really crazy... but it was incredibly reassuring to me.)