Depression after notarized contract - experiences

I always say, money doesn't make you happy. But it can help and provide peace of mind.

I always say, money doesn’t make you happy. But it can help and bring peace.

We recently discussed the topic of happiness and money. The marginal utility of money decreases quite quickly.

The topic of happiness and money came up recently. The marginal utility of money is reached relatively quickly.

That's exactly what I am saying. Nevertheless, my statement holds. Without money, we would be childless today. Our child makes us overjoyed. So money did not make us happy but helped a lot with it.

So in general, there is the option to find a "solution." How that might look, I will still discuss.

However, I still have doubts about going through with the withdrawal. The fact is: If I could turn back time, I would have bought the house in my parents' neighborhood for 100,000 euros less, used and with a small plot of land. I am sure my "feeling" would be different. Well, I didn’t do it, my own fault.

So what remains now? The contract for a new house in a neighboring town, where a "complete change" would also have to take place, kindergarten, friends, other playgrounds, different surroundings (yes, yes, these are all minor things, I know, but somehow relevant to me). Or cancel and wait for another chance in my desired area? If prices continue to rise as before and the interest rate also somewhere (it is currently at a low point, as is my offer), do I completely miss the chance of ownership? At these rapid speeds, no matter how much I save.

Do I have to come to terms with the fact that I can’t afford anything in "my" town?

It would be annoying to wait now and in 3 years only be able to get a 3.5-room apartment for the same monthly burden. Because then ownership no longer makes sense and only the building cooperative remains.

What would you do? Moving further away is not an option. I don’t really need a house with 50 anymore anyway.

What would you do?

I roughly counted. You are asking this question for the 76th time now. And about 73 times the answer was "Build the house." MAKE A DECISION AT LAST!!!

So what remains now? The contract for a new house in a neighboring town, where a "complete change" would also have to take place, kindergarten, friends, different playgrounds, different surroundings (yes yes, these are all small things I know, but somehow relevant to me).

I understand that this feels like a "complete" change to you, but you still know that friends are not gone because of that, and besides, their lives also change, after all, according to the saying: "Nothing is as constant as change." For example, your children can also benefit from a change and learn early on how to deal with new things. My niece almost did not carry out the house construction because the children were against it. But children cannot overlook that and are not allowed to decide, because they are children. Today she just shakes her head at herself.
Likewise, the eternal search for something better can become an addiction....

Do I have to put up with not being able to afford anything in "my" town?

Two apparently fixed parameters can be read in that, namely "cannot afford anything" and "my town."
You can only decide for yourself what you can or want to afford, because everyone sees it differently. For example, I am "gladly" willing to spend more money on living INSIDE a building, less willingly outside, and even less on other "consumption"; but that varies individually.
"My town" has always been where I felt comfortable, whether in a rented apartment or my own house. Currently I live 500km away from my former house, my birthplace, many friends, and yet I am in "my" (new) town. Change by force or per se is not good, just as restlessness; but rigidly clinging to the familiar is just as bad.
That amount would probably scare and unsettle me too, which is why I would definitely be willing to make a bigger cut and change me/us. You probably won’t find the all-round perfect solution either.
My buddy has lived all his life in Degerloch, which would be unimaginable for me. He always said it couldn’t be otherwise because of daycare, schools, etc.
Of course, it can be otherwise; I lived 100km away in the countryside in a house, and he was always somewhat "envious," but he didn’t want to change anything about himself.
Both are/were possible and both come at a (not only financial) price – one has to pay one of them, you are no exception!