Consume or save?

oh, we haven't done such cheap vacations in a long time. Were those some kind of Corona bargains? We like to really treat ourselves on vacation. If after building a house we could only afford vacations like yours, we would have to admit we miscalculated the house build. But maybe it will be possible for you again once you finally pay off the loan in 8 years. Until then, you just have to save a bit.

everyone just has their own perspective!

just wanted to know how you define "living" and how people budget.

Despite Corona, a crazy amount of tight financing requests are coming in where I wonder how people manage to juggle it all. Living and financing.

And no, I don't have a Porsche in front of the door, but consciously financed smaller

as I said, built small or bought a new build.... according to my circumstances at the time

and yet you have to pay off for so long? You must have done something wrong.

My opinion: Financing can only be good if you don’t have to restrict yourself after building the house. Regardless of whether you earn 2,000 or 8,000 net.
If someone flew on vacation five times a year before, never drove a car longer than two years, always wanted the latest gear in their wardrobe, and went to a restaurant twice a week, it will be difficult for them to give that up suddenly.
However, if someone already watched their expenses before the house was built or didn’t have such high demands, they will manage well with that lifestyle afterwards.

What I find bad are those who lived extravagantly before, couldn’t save anything, and suddenly want to give up vacations, new cars, expensive clothes, etc. upon moving into the house and try to make their expenses look good beforehand. No one who spent their entire income over the course of the month before will manage to just save 2,000 euros monthly. Many get used to treating themselves for their soul’s sake – for some that’s a bottle of champagne and designer clothes, others are more happy about a good book.