Consume or save?

Hello,

while browsing the name caught my eye.

We (4 people) are going to be around the south a bit in the summer, have booked vacation in October (on the weekend) & the ski hotel.

So just casually blowing 5k. I'm always conflicted whether to live or save. We earn well, have hardly any installment for the loan and there will be an inheritance someday too

and you guys???

Living and saving is not a contradiction. Unless you equate living with consumption. Or have you budgeted so tightly that going to the cinema and a crate of favorite beer per month is not possible

Less work, less consumption, put money into the house and retirement provision.

Excessive consumption does not make you happy in the long run and harms the environment.

I only work 75% and have a small side business. My wife also works little, but does what she enjoys and primarily takes care of the children. Especially now during Corona times, we are doubly glad because the daycare is closed.

With our income, many people (especially you ) would be overwhelmed if they looked at our financing and the monthly rate of over 1,600. However, it works excellently for us, so well that we have always managed the annual special repayment so far and still managed to save some money.

Everyone has their own way

No longer have to make special repayments after the restructuring ... in 8 years the deal is done

is right: Since when does "living" = "consuming"? That's why the question makes little sense. In my life, most important things are not consumption. But yes, for the rest (e.g. cooking and eating out) I gladly spend money and would hardly restrict myself here because it's a priority. Also not for a house.

For us, it has now been almost 5 years of financing. If it continues like this, the loan of over 350,000,- will be paid off in another 10 years. With a bit of luck, we can sell a house that partly belongs to me in 5 years (proceeds estimated at 100,000,-), then we would even be done with the loan in 5 years.