From 0 to 100 in 3 years realistic? | Building obligation

Good morning,

I think some posts deviate significantly from the actual question.

1. Opinion: Five years ago, I would have said €700,000 for a house is madness; today, I think it will be hard to stay significantly below that and still talk about upscale fittings. I am even convinced that it will be tight with a basement.
2. Regarding the savings phase, just be careful not to rely solely on ETFs, etc. It could be that in three years the market is down and you then have to sell.
3. I see the private health insurance contributions as a point of significantly increased expenses in the future, but I don’t want to start a discussion about it.
4. Always consider with the planned loan installment that salary increases do not always cover the additional costs.
5. Insurance costs are calculated very low, especially the disability insurance at €50.

My last tip: it has to fit together. I always think it conflicts to say you can do without and get by with very little, and then really “go wild” on the house, only to possibly find out that you don’t like to give up the vacation after all, or that the new Thermomix is cool, or that a nicer new stroller has to be bought.

Good luck!

What kind of children do you (all) actually have that the house practically needs to be renovated every year (should)? :rolleyes:

I know how I was as a child.
Using pen on wall, hammer on toy car, or saw on desk, are the tamer practical examples in the repertoire of my 7-year-old self.
For me, however, it stopped soon after. At least the intentional willful destruction out of spirit of discovery.

What kind of children do you all actually have that have to be renovated (should be) almost every year? :rolleyes:

I’ll gladly send them over to you, then you can find out :p

It’s very individual. Children are different, parents are different.

What kind of children do you all have that require (should require) renovations almost every year? :rolleyes:

Two boys under 8. And a dog. The two years of home office with children have left clear marks.

How was it again with apple and trunk.:D