Construction financing: sensible or nonsense?

My father always tends to say: money is worthless as long as you don’t spend it

There are also people who spend their money quickly before it’s all gone.

Anyway, I no longer understand the discussion at this point, since banks do not subjectively assess the borrower’s personal handling of money, but rather apply fixed lump sums depending on income and number of children. How equity was saved or squandered does not interest anyone, since neither past nor future plays a big role: only the current situation counts: how much equity is currently available? How much salary is currently earned.

I never would have thought that furniture / furnishings could cost so much....
for us it was about
€19,000 kitchen + pantry,
€2,000 washing machine + dryer,
€3,500 wardrobe (carpenter),
€7,000 dressing room (16 sqm room, cabinets fitted to the sloping ceiling - carpenter),
€4,000 sofa,
€7,000 living wall unit (oak),
€1,500 kitchen equipment (cutlery, glasses, cups, Tupperware (OMG... so much Tupperware)),
€5,000 everything for the baby at once,
€2,000 curtains,
€1,500 workbench,
+ loads of small stuff.

Of course, it can also be done much cheaper!!!
But I don’t think we bought VERY expensive furniture (except for the dressing room + living wall unit)

My father always tends to say: Money is worthless as long as you don’t spend it
Accordingly, my parents never had much in the bank, but raised 5 children, own a house with a beautiful garden, have 2 cars, donate a considerable amount monthly, etc.. Vacations are not taken every year, but then three weeks in a row by the sea, and so on. So apparently, living by this motto isn’t entirely wrong... by the way, my parents haven’t received a large inheritance or anything like that so far