There is no prenuptial agreement. In my fears, the topic "high debt - high burden" still plays a not entirely insignificant role. Of course, I have also thought about it before, it is not like that. But I also thought, salary will rise, just the inflation adjustments alone. If I now calculate that together, without special payments (these are all variables that can also be missing at times, although Christmas bonus, vacation pay less, but anyway that is the smaller part:
Income: father net approx. 4,370 euros, mother net: 1,030 euros, child benefit: 219 euros, total: 5,619.00 €
Costs house "all in": approx. 2,500 euros (of which 2,000 euros repayment 2%, interest approx. 1%). Car loan 326 euros (although that would no longer exist at the time of moving in, since company car, car costs effectively therefore significantly lower, sum total currently approx. 600-700 euros per month, afterwards approx. 220 euros thanks to hybrid). Kindergarten future 360 euros (previously 215 euros) - I was not aware of this extent, although I had "googled" it. Fuel costs 120 euros, fitness, Netflix, internet/phone: 80 euros
Sum: 3,386 € compared to income of 5,619 €
Delta 2,233 € and that without having a single cent of equity (that still has to be built up anew)
Additionally, I have to save approx. 16,000 euros by the time of moving in at the end of 2022, since I consciously did not include special requests worth 11,000 euros in the loan amount to not further exceed the limit.
Are my fears based on the numbers and do I not want to admit that I have clearly overextended myself?
How do you see it?
The argument was completely foreign to me so far and I told my parents / wife: No, it's not that, that’s not a problem... I have made significant (!) salary jumps in recent years, but I see myself realistically already close to the upper limit and have no ambition to change. Was I too optimistic? In the past, it was often the case that I had the limits set significantly lower. After I saw how my salary increased, I regretted afterwards not having raised the price limits further.
Thanks for your honest opinion