Our budget from 2018/19 no longer applies here either. Our budget was only enough because I negotiated all trades from the town individually and myself, since we made certain overpriced offers ourselves (e.g., facade stucco of the windows, for which the shell builder wanted a fortune, and I only had the cornice stucco and door stucco installed) and because a lot was done through "neighborhood help."
I would really be interested in how your project looks.
Unfortunately, negotiating yourself no longer works for us either, because here you have to be glad if you even get an offer for the few things you still have to commission yourself during turnkey construction (earthworks, sewer, and utilities), and that is then so final like "take it or leave it, there are ten others waiting." Honestly, I can't explain how you would manage entire trades here without planning 7 years for the construction :) Fortunately, for the garden, we can also count a bit on our new neighbors and my cousin, who really knows someone who knows someone for everything and everyone and can then help out.
We are still in the middle of construction, and I'm still not sure if I want to present our house here completely when it's finished, mainly because our "little house" is my little baby, and the forum can be quite harsh when it comes to questions of taste, and one comment from a construction company, "what is supposed to be this style mix of a coffee mill house and an American house?" has already annoyed me :). But I can happily show you our visualization, we have changed the shape of the dormer, and there will be a wooden terrace instead of paving; otherwise, it already looks like this in reality, I simply love American houses and architectural elements from earlier times, and luckily my husband is not a die-hard Bauhaus fan and just let me do it :)
