Before we built the house, we had an apartment for 440 euros hot (i.e. including additional costs, electricity, internet, etc.) But that no longer applies now. For 1200 euros cold rent, you could rent a 200 sqm house here.
But to get back to the breakdown of our expenses:
2480 Income 1
430 Income 2
390 Child benefit
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3300 euros
Who knows me... in these numbers, even the GEZ, the chimney sweep, and the firewood are included.
918 Loans
435 Additional costs + reserves
190 Car
235 Insurance and contributions
203 Reserves
430 Long-term savings
159 Kindergarten
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2570 euros
730 euros remain for living expenses (without reserves for car, clothing, furniture, technology, vacation).
The last items are already taken into account in the expenses.
One car, two bicycles, and public transport are enough for us. Shopping is done at the discount store with supplements from Edeka, including the sausage and meat counter. Cheese comes from the local farmer or directly from the Eifel as a wheel from the producer, drinks are bought in 12 crates (in the Ford Fiesta) on offer, water comes from the soda maker until you burst. We forgo cinema and bars; instead, there's Prime and a Thermomix. We take vacations three times a year, one week in a holiday apartment and twice a long weekend in the youth hostel. Of course, a cruise is out of the question. We do not need, want, or can afford that either.
“Special expenses” such as Christmas presents, a Vorwerk vacuum cleaner, three new cabinets, or a child's bed are paid from the 13th/14th salary. So for us, such things are normal too. We are therefore not scraping by.
We do not have such a detailed cost breakdown. However, we know what expenses we have had since 01/2017. Many large expenses were mostly just consumption which no longer applies.
Attached are our current income and estimated expenses from 09/2018, although moving in is only planned for 12/2018.
3430 Income 1
430 Side job wife Income 2
900 Part-time wife Income 2
390 Child benefit
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5150 euros
1450 Loans (estimated)
450 Additional costs (estimated)
90 Fixed costs (direct debit fixed costs husband)
1000 Living expenses (insurance, fuel, food, etc., now we are at 650)
120 Lunch supervision for both children from 09/2019 now 60
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about 2000 Savings rate
Although I must also say that neither tax prepayments/refunds nor vacation and car insurance are included here. However, I have bonuses, performance bonuses, wife has vacation/Christmas pay. So irregular payments are offset by special payments.
But the sum of 415k€ loan is intimidating even with our income and spending behavior, but it does not stop us.