Finally a plot - Can we finance everything with EFH?

Hello Tobi3310, those are great news. I hope you will keep us updated on your project and share more detailed plans with us. I wish you lots of fun and much success with the house construction!

Don't exaggerate please

Enlighten me, where exactly am I exaggerating?

@TE Good luck with the house construction!

Enlighten me, where am I exaggerating?

- 400€ groceries -- 250,-
- 50€ hygiene -- 30,-
- 2x 100€ pocket money (canteen, cafe, etc.) -- 2x 50,-
- 2x 100€ clothing -- 2x 50,-
- 200€ reserves -- 150,-
- 300€ vacation -- 200,-
- 17€ GEZ -- 17,-
- 100€ Netflix, phone and such -- 2x phone + Netflix + Sky = 50,-

What I wrote above is the bare minimum to get by at all.

Exaggerating is relative. But if I take only the points where I quickly have concrete numbers from us (in blue), I come to a total of 1467,- euros on your side, whereas we actually have 897,- euros.
The difference of 570,- euros is a lot of money; maybe you can interpret it that way. In the end, everyone has to answer that for themselves anyway, but the thought-provoking impulse is definitely useful.

The budget book must be realistically prepared by each person individually. There are always fluctuations. One person budgets €1000 for cars, another not even half of that, and both are true.

One just must not become unrealistic or anticipate savings in theory ("once I have a house, then travel is no longer" or "no more canteen, then I will only eat sandwiches").

I also consider the numbers from Zaba to be too high. At the moment, I pay almost everything with my debit card and therefore have a pretty good overview in the transaction query of where what is going. For groceries, we (2 people) spent about 280,- in March and April, for example. Hygiene products at Rossmann were 25,-. Lunch per person about 35 euros. Clothing was even zero.

You can make the acquisition of property look good – but also break it down disastrously. I assume that the majority of builders or homebuyers have, in any case, learned to restrict themselves and to adjust their spending behavior accordingly. And then it will work out.

First about us: married couple (She 28, I 33) both tax class 4

Income: She (permanent employee for 15 years at the doctor's office): €1760 net

I (since 2018 in the public service, about 6 more months fixed-term, then permanent) income €1780
I gave up my position after 18 years at the company due to moving to my wife who lived 200 km away.

I find the information about your ages and professional experience unbelievable.