Buchsbaum066
2024-05-31 10:23:38
- #1
It was not about Altai specifically but in general. However, I think it is good if not everything here is always presented through rose-colored glasses. In this respect, Altai's contribution is also worth mentioning positively once in a while.
Should I start calculating operating costs because of 20 euros? Prager91’s calculation is already missing a maintenance reserve.
A heat pump is calculated with a lifespan of 15 years. If I build reserves for a replacement, that is about 100 euros per month. Just for the HP. I would already set aside 300 euros per month as reserves. 500 euros for craftsman costs for a small repair is no longer much money today.
What about maintenance costs? You don’t have any. Sure. Chimney sweep? You don’t need one. Also clear.
60 euros insurance. What kind of insurance is that? A normal residential building insurance with elemental damage and photovoltaics, glass, backflow, etc.? Or is it an insurance where everyone shouts for state aid in case of damage? For example, I don’t have the cheapest insurance but one that actually pays out if there is damage. Elemental, etc., all included. I live by a small river. You never know what might come. It is very nice because it marks the boundary of the property but also makes the insurance a bit more expensive. And yes, flood is insured with me.
I also did household contents insurance. That costs me about 100 euros per month. I have more property tax. 150 euros for electricity including heating is also rather conservative. Only possible with a photovoltaic system. I am not a power saver and also prefer to have it warm in the house. That just costs a bit more. If that bothers me, I move into a small 2-room apartment. You can save there.
But we don’t need to talk about that, costs naturally vary regionally. I pay 70 percent more for water here in Saxony-Anhalt than in Munich. And also more for wastewater.
And if you have less than 1000 euros operating costs today, it can already be that much in a few years. I prefer to calculate more rather than less.
Overall, for many everything is tight.
For our vacation, I always plan 2000 euros for 2 weeks in Croatia. That included travel costs, a holiday apartment directly by the sea, and eating out every day, etc.
Today I need 4000 euros for exactly the same vacation. But every year I simply don’t want to spend that amount. I’d rather build a heated pool in the garden and stay home for 2-3 years. That is no problem either.
However, it becomes a problem with exploding living costs and a loan installment beyond good and evil.
Should I start calculating operating costs because of 20 euros? Prager91’s calculation is already missing a maintenance reserve.
A heat pump is calculated with a lifespan of 15 years. If I build reserves for a replacement, that is about 100 euros per month. Just for the HP. I would already set aside 300 euros per month as reserves. 500 euros for craftsman costs for a small repair is no longer much money today.
What about maintenance costs? You don’t have any. Sure. Chimney sweep? You don’t need one. Also clear.
60 euros insurance. What kind of insurance is that? A normal residential building insurance with elemental damage and photovoltaics, glass, backflow, etc.? Or is it an insurance where everyone shouts for state aid in case of damage? For example, I don’t have the cheapest insurance but one that actually pays out if there is damage. Elemental, etc., all included. I live by a small river. You never know what might come. It is very nice because it marks the boundary of the property but also makes the insurance a bit more expensive. And yes, flood is insured with me.
I also did household contents insurance. That costs me about 100 euros per month. I have more property tax. 150 euros for electricity including heating is also rather conservative. Only possible with a photovoltaic system. I am not a power saver and also prefer to have it warm in the house. That just costs a bit more. If that bothers me, I move into a small 2-room apartment. You can save there.
But we don’t need to talk about that, costs naturally vary regionally. I pay 70 percent more for water here in Saxony-Anhalt than in Munich. And also more for wastewater.
And if you have less than 1000 euros operating costs today, it can already be that much in a few years. I prefer to calculate more rather than less.
Overall, for many everything is tight.
For our vacation, I always plan 2000 euros for 2 weeks in Croatia. That included travel costs, a holiday apartment directly by the sea, and eating out every day, etc.
Today I need 4000 euros for exactly the same vacation. But every year I simply don’t want to spend that amount. I’d rather build a heated pool in the garden and stay home for 2-3 years. That is no problem either.
However, it becomes a problem with exploding living costs and a loan installment beyond good and evil.