I can imagine that. Surely you expected/hoped for a completely different feedback, but life is not a wish concert. One just somehow hopes that the criticism (at least the message behind it) gets through, makes the user think, and ultimately even protects against too great a risk. Your "plan" so far is almost exclusively based on eventualities and not on facts (I will earn xxxx, I will reduce consumption, I will spend my vacation in the garden, I will provide so and so much EL, etc.). The fact currently is only that due to consumption you neither have saved significant equity nor have available net income that would make this project sum reasonably feasible without significant equity.
It’s not about the feedback itself for me here, it should be as honest and precise as possible...
It’s about the manner and above all that here it feels like 80% apparently are not able to read posts (but then want to give others tips regarding possible financing – how is that supposed to work if simply reading posts obviously already represents a problem?)
Of course, our plan relies exclusively on eventualities, that’s just what a plan and a future outlook are like, that will be the same for anyone else. Every plan is ultimately only as good as it is implemented.
We are also clear that if we do not stop our consumption, the project is doomed to fail; however, I fundamentally do not need feedback here for this, it’s about food for thought and possibly people who were in a comparable situation and how things went for them.
I also always find it nice that various points are mentioned here repeatedly without really backing everything up with facts.
Counter question to those who say our net income would not be sufficient for a project of this scale: What do you consider to be sufficient net income for this?
I want to make a nice comparison regarding net income:
Currently, I have 15 km (one way) to work, but as of today, I have an offer of 3,900 € net per month, which is 95 km (one way) away.
If I were to accept this offer now, the unanimous opinion here would probably be that we can now manage the project without problems, but that this higher income was bought through significantly greater effort that would only partly be reflected in usual expenses would be ignored.
Therefore, in detail, hand on heart:
What monthly surplus would you consider appropriate to be able to manage the project?