Finance/Assets - Proposal

Hello Tobi, as I already wrote, my basic concern is to create a category for topics such as: money investments, household budget/plan, insurance, income/expense optimization, building wealth, etc. All these topics, which in my opinion are of great importance, find no suitable place here in the house construction forum. Perhaps some questions have been asked and satisfactorily answered. However, it would be great to have a suitable subforum for this as well, in order to have all relevant topics together. Why should I write what you call a substantial contribution? That doesn't change my suggestion. With the example of the household book, I only wanted to point out how important such topics are, especially when building a house, etc. Hello help, I don't know exactly what you mean by your statement. The core message of my post was not that we already built a house at a young age with a child. Absolutely not! Nevertheless, I wonder what prompted you to make such claims. 1. Here is a small excerpt from our vacations in 2018:

[*]Short vacation at the thermal bath for two (the daughter stayed with the grandparents) [*]5-day ski vacation in Salzburg [*]1-week vacation in Croatia as a family of three [*]10-day vacation in Mallorca as a family of three

By the number, these are exactly the 4 vacations you mentioned, but I know very well what you mean by 4 vacations. Well, I count it as let's say 2.75 - 3 vacations. We don't need more. 2. We don't go out to eat every week, that's true. However, due to my work, I go to a restaurant about 2-3 times a week, which is not paid for by the company. Altogether - the three of us - it's about 3 times a month. But even eating out is a very flexible term. 3. We own two cars, even if one car is a company car. For that, I have significantly less net income in my pocket, but I do appreciate the value of a company car. 4. What you want to tell me with your Haikiri financing? Well, honestly, I have no idea. Regards

you simply didn’t understand my post.

There is a difference when you start with building/buying a house and are not yet established in life and have succumbed to consumerism. That was the case with you.

Those who at 35, with 2,000 equity and 2 financed cars, then come up with the brilliant idea to finally realize their dream of owning a home are really beyond help.

Regarding 1.:
Definitely important in financing, essential if it’s still about the question "Can I afford it?" etc.
But I don’t see it necessary to create a separate subforum for this. Most people who arrive here have already done that, in my subjective experience. If not, then they are politely informed and that’s that.

Regarding 2.:
Certainly a topic that, due to its scope, belongs in its own subforum. But this forum is, in my opinion, the wrong platform. Usually new people come across this forum when they are already dealing with the topic of building or buying a house. Your topic is not limited to that alone. It basically begins much earlier. Therefore, I don’t see it properly placed in this forum. It belongs in a forum about finances. Or you turn to your trusted bank advisor and then search for information, advice etc. in the depths of the net. But someone would probably not stay in the house-building forum.

From my point of view, therefore, all important topics but nothing for a separate subforum.