Error in financing?

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

It's almost a shame that I'm no longer working in consulting. I would have liked to try that tip.

When I was still working in the counter area, a colleague always sold "savings plans with immediate payout." It worked significantly better than selling customers a consumer loan.

So the OP is already saving diligently

hm daily allowance??

yes, he is saving on consulting and construction supervision. that’s available for around here

@all

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

Rhenish greetings

He is not... He is way too authentic for that
He just isn’t a construction genius, he is a saving genius

So I know from many how it is meant and I still cannot understand how many here say that I would say such and such numbers at times, because that is not true.

And if many do not think that I cannot save money in the future, then that means I can only slowly build equity, right? Namely only with the money that will be more available in the next few months because old loans are paid off.

That then speaks all the more in favor of building a house directly, because I don’t have to save anything extra for that since the additional money needed will be available from the paid-off loans.

Of course, they are only paid off before a house loan would start.

I’m curious where I am seeing something wrong again or twisting things. I believe it still hasn’t been understood that when buying a house I do not spend more money per month than I do now.

Why don't you actually respond to the questions people are asking you?

Should I maybe post bank statements here? I definitely won’t do that.

Household budget yes – I work with Finanzblick and tags or categories.

I don’t understand why I am perceived as someone who plans the last 50 euros of the month because everything is so tight due to the house purchase or even before that.

The moment the loans are gone, I technically have ZERO financial impact and the same surplus as currently. Which, as known, has been spent so far, but of course will then be invested in the house, whether for acquisitions or repayments and then also once in a while a vacation and other things logically. But why not if my monthly fixed expenses aren’t higher than now? How many times do I have to write that. I am slowly starting to feel mocked. This has simply been overlooked for days now and then it’s claimed that I confuse numbers or that I need to build reserves for the house. That of course is already all factored in!!!

I will not respond or write anything else until what has just been written is finally understood and commented on.

How many bills do I still have to write down here??

Rent including utilities 1200
Loans 800

Before house purchase loans finished

House financing 1500
Additional costs 500

What else am I supposed to explain?!?! The loans were not for consumption but for studies and the wedding. Neither of which we plan to take out loans for again for now. Everything else we bought with the money that was left as surplus besides the expenses mentioned above and will also be in the future.