Ostfriesenjung
2020-06-09 17:37:46
- #1
General information about you:
Income and asset situation:
Expenditure situation:
Expenditures already included in other items can of course be omitted. This list is not final and can be expanded or summarized as desired. Please make sure to state all costs monthly, even if they only occur annually!
Housing costs:
Mobility costs:
Insurance costs:
Living expenses:
Savings performance:
Other expenses:
Income and expense totals:
[*]Who are you? One person
[*]How old are you? 33
[*]Are there children? No
[*]Are children planned? Possibly up to max. 2
[*]What is your profession? Administrative officer
[*]Are you employed, self-employed, retired, housewife, househusband, etc...? I am a civil servant
[*]How many hours do you work? 40 (full-time)
Income and asset situation:
[*]What income do you have (gross/net)? 2500 net (will increase somewhat over the years)
[*]How much child benefit do you receive? -
[*]Other transfer payments such as parental allowance, sick pay, etc...? -
[*]How much equity do you have? 0 €
[*]How much equity do you want to invest in the house project?
Expenditure situation:
Expenditures already included in other items can of course be omitted. This list is not final and can be expanded or summarized as desired. Please make sure to state all costs monthly, even if they only occur annually!
Housing costs:
[*]Current cold rent 680
[*]Current warm rent 810€
[*]Electricity 79€
[*]Gas -
[*]Water, sewage, garbage fees, street cleaning -
[*]Telephone, internet, mobile phone - 31 +30 = 61 €
Mobility costs:
[*]Monthly ticket for bus and train (also for the children!) -
[*]Car loan (or savings rate for a new car)
[*]Insurance 40€
[*]Taxes 25€
[*]Fuel 50€
[*]Repairs - hard to say, hopefully not much
[*]Others
[*]Is there a second car, motorcycle, scooter? Only one car
Insurance costs:
[*]Private health insurance (also supplementary health insurance, daily sick pay, etc.) - (260 € already deducted from net above!)
[*]Liability insurance (also animals) 5 per month or 60 per year for private liability insurance
[*]Capital or risk life insurance -
[*]Pension insurance (also Riester, Rürup, etc...)
[*]Occupational disability insurance
[*]Accident insurance -
[*]Household insurance -
[*]Legal expenses insurance -
[*]Other insurance (such as travel insurance, funeral insurance)
Living expenses:
[*]Groceries 200€
[*]Restaurant costs 40€
[*]Care/drugstore 20
[*]Pets (food, vet, medication, stable costs)
[*]Medication 0€
[*]Clothing 40€
[*]Furniture -
[*]Daycare/school fees (and meal money) -
[*]Tutoring -
[*]School materials and books -
[*]Club memberships/gym: 20 €
[*]Babysitter -
[*]Toys -
[*]Cleaning -
[*]TV/video/audio/CDs/DVDs - 8 € Amazon Prime + 19 € GEZ
[*]Tickets (football, cinema, concerts etc...) - 100 €
[*]Donations -
[*]Other -
Savings performance:
[*]Vacation
[*]House
[*]Retirement provision
[*]Hobbies/gifts
[*]Other
Other expenses:
[*]Maintenance payments? -
[*]Loans? -
[*]Other? -
[*]Was something forgotten? Then please state it here at the latest!
Income and expense totals:
[*]Total income approx. 2,500€
[*]Total expenses approx. 1,500 € (warm rent + fixed costs + hobbies)
[*]= Possible current savings rate approx. 980 € (after the car is paid off in a few months, currently still -400 € for the car and remaining BAföG debts, which I have almost paid off or my parents will take over). Therefore, nothing significant has been saved so far (only approx. 2,000 € reserves and a rental deposit of 1,680 € available)
[*]So net salary - fixed costs or living expenses + cold rent = approx. 1,660 € monthly available for house installment and building repair reserves or reserves for unexpected events (car, washing machine, TV, PC, etc. broken etc.)