sge1983
2015-12-27 11:17:51
- #1
My fiancée (28) and I (32) are planning a new build and wanted to ask you briefly for advice.
The net income (man - civil servant) is about €3415.15, (woman - legal trainee) is €700. Additionally, there are secondary incomes of €350 (man) and €200 (woman). Our total net income is therefore €4665.15. It is planned that my fiancée will work as a lawyer for 1-2 years and then take parental leave (2 children). After parental leave, she would like to work part-time.
We have set the following expenses as follows (for both):
Private health insurance €250.00
Car insurance €99.51
Car tax €51.67
Mobile phone €50.00
Internet/phone €34.90
Subscription €15.00
Household insurance €10.56
Home and landowner liability insurance €3.17
Private liability insurance €4.12
Legal protection insurance €12.16
Groceries €600.00
Gasoline €200.00
Broadcasting fee €18.00
Water €41.67
Electricity €75.00
Waste disposal fees €24.46
Building insurance €37.10
Property tax €66.67
Additional insurance €25.00
Vacation €166.67
Clothing €200.00
Savings €100.00
Total: €2085.64
This would leave €2175.53 remaining. Do you think a monthly charge for the loan (repayment and interest) of €1620 is too high? Do you recognize any missing item or errors in the expenses?
Thanks a lot in advance for your help.
The net income (man - civil servant) is about €3415.15, (woman - legal trainee) is €700. Additionally, there are secondary incomes of €350 (man) and €200 (woman). Our total net income is therefore €4665.15. It is planned that my fiancée will work as a lawyer for 1-2 years and then take parental leave (2 children). After parental leave, she would like to work part-time.
We have set the following expenses as follows (for both):
Private health insurance €250.00
Car insurance €99.51
Car tax €51.67
Mobile phone €50.00
Internet/phone €34.90
Subscription €15.00
Household insurance €10.56
Home and landowner liability insurance €3.17
Private liability insurance €4.12
Legal protection insurance €12.16
Groceries €600.00
Gasoline €200.00
Broadcasting fee €18.00
Water €41.67
Electricity €75.00
Waste disposal fees €24.46
Building insurance €37.10
Property tax €66.67
Additional insurance €25.00
Vacation €166.67
Clothing €200.00
Savings €100.00
Total: €2085.64
This would leave €2175.53 remaining. Do you think a monthly charge for the loan (repayment and interest) of €1620 is too high? Do you recognize any missing item or errors in the expenses?
Thanks a lot in advance for your help.