Error in financing?

He is really making an effort.

*Rückwärtssparen*

Have you ever done a detailed calculation with your complete current expenses? Rent, utilities, loans (individually, not combined), eating out, groceries, hygiene products, fuel, car wash, every single insurance, etc...? Fixed costs except for rent and paid-off loans will be eliminated, but the other items will remain and possibly increase; instead of rent, the financing installment will then apply. In addition, you have to set aside sum x monthly for future repairs and maintenance. When children come into play, there is an initial equipment that you should also have the money ready for, and this amount can be quite high. Then one salary may partially be lost, and childcare costs come into play, which in some cities are calculated based on income. The toddler group is even considerably more expensive than kindergarten. When it comes to school, vacations also become more expensive because unfortunately you can no longer go on vacation at any time but only when everyone has holidays, which significantly increases vacation costs compared to kindergarten times.

@all

Has it ever occurred to you that might be a forum troll; registered solely to occupy you?

I believe in the good in people.
Apart from the fact that there are always some posts scattered here and there that show that some insight has been gained.

Have you ever done a detailed calculation of all your current expenses?
Rent, utilities, loans (separately, not summed up), eating out, grocery shopping, hygiene products, fuel, car wash, every single insurance, etc...?

The topic of a household book (which would be such a statement) was discussed on pages 1-5.
About two weeks ago he promised that he would like to keep one in the future to get an overview. I don’t know if that future has already begun.

@all

Have you ever thought that might be a forum troll; registered solely to keep you occupied?

Nope. He's from real life.

He is really putting a lot of effort into it.

*Backward saving*

new marketing term

new marketing buzzword

When I was still working at the counter, a colleague always sold "savings plans with immediate payout." It went much better than selling customers a consumer loan.

So the OP is already saving diligently after all.