A lot has already been written on the topic of cars. To be honest, I’m also not sure how much sense it makes here.
Tip: Alternatively, take a look for potential connections with public transport. Maybe – if it fits, you can save a lot this way.
Example for me: I would have to drive about 50 km one way every day x 2 x 22 working days = 2200 km at 7 l/100 km = 154 l x diesel price. This does not yet include: depreciation/wear and tear on the car, higher insurance costs, parking fees (at the workplace easily 200 euros per month), as well as hassle and stress on the road.
Even though I like driving, I switched to public transport and pay 85 euros per month, that’s it.
Cost of living: We now have 300€ for groceries and get by very well with that, often there is still some left over at the end of the month and we don’t spend much more, recently we went to see "The Hobbit" in the cinema, we are somehow very frugal with such things, of course we sometimes go out to eat but also very rarely and then even less so in the village.
300 shopping money
You write that these 300 euros are spent on groceries. That is realistic (possibly also 250).
Consciously or unconsciously, however, you have overlooked things like clothing, shoes, entertainment media (Amazon orders, etc.) and so on.
These also belong to living expenses and are not listed anywhere in your account.
Two small examples from me here as well:
My wife thought four weeks ago that she needed a new winter jacket (I almost bit into the tabletop – she only got a (relatively expensive) new one about three years ago). We also wanted to save a few bucks until construction finally starts.
I had to order a complete DVD series box from a well-known online retailer two weeks ago. It had become absolutely necessary for me. Then my wife bit into the same tabletop.
House building plan:
Total costs about 210,000-220,000 thousand including all costs/ additional costs etc. Interior work (flooring, plastering, painting) we might also do ourselves, since my father is very skilled with crafts, but these are not the enormous costs. The house should have about 130m², no basement. Garage is not planned, garden is available since it is my parents’ plot.
Regarding furnishing: we currently live in an 81m² apartment, it is a bit more due to the stairs and sloping ceilings, and we have good furnishings and a new kitchen that we will take with us.
The costs I list have been gathered and checked with parents/in-laws to be on the safe side, which costs we have once the house is basically finished.
If you plan the two building savings contracts for the garage – are these already fully saved up or do you still need to save? Do you want to take the (expensive compared to old building savings contracts) loan, or do you only count on the saved credit balance? If you terminate these two building savings contracts, a further 230 euros per month would be available for your financing.
If I calculate with 220,000 and 6% annuity flat rate for you, I come to a monthly rate of 1,100 euros. It could be somewhat lower since you are young and could conclude a long-term loan contract.
The question, however, remains whether your wishes can be fulfilled with this sum and whether you have taken all relevant costs into account in the planning.
Personally, I would recommend that you consider the advice of ypg. Better to wait a little longer; the plot won’t run away from you.