Good offer for a young family? Buy yes or no

The sleepless nights come from the question of whether you will still have enough money left at the end of the month.

Just do the household budget retrospectively for last year. It might take 2-3 hours. But an uneasy feeling usually comes from uncertainties. If you have an overview of your expenses, it also gives you some security :)

And regarding the high amount: in the end, you pay off the loan in monthly installments like rent.

"How do you eat an elephant?"
"Quite simply: piece by piece."
So don’t be impressed by the sum, but break it down into manageable pieces.

By the way, I’m really someone who didn’t have any bigger respect or concerns about our [400k financing amount]. It’s an abstract number to me.
The only tangible thing is the monthly burden.

Strange that you are getting the house "cheap". No one has anything to give away. Otherwise, half of the income goes towards the loan and additional costs. Whether you can manage €2000 net for 4 people, you have to decide.

There will also still be occasional purchases, vacations, etc. So if there are no significant income increases at some point, it will always be a life on the account limit.

No, it’s not that strange. Especially in villages, many people care more that their house is in good hands than selling it to the highest bidder. I know it’s unimaginable for someone who grew up in an anonymous big city or a medium-sized town where every last euro has to be squeezed out of everything, but I can give you some examples here from the commuter belt around Frankfurt.

The bathroom is no big deal. For a small amount of money, you can simply lay water-resistant click vinyl over the tiles. It takes about 2 hours in that room and afterwards, it already looks completely different :).
Buy it before someone else does next week. With your free budget, you can still live very comfortably as long as you’re willing to make a few sacrifices for the dream and you don’t need to have a new car in front of your door every 3 years or constantly equip yourself with the latest devices from Apple and co.

I have now read several times here about the household book. I would also like to try keeping one, fitting for the beginning of the year. Does anyone have tips? Is there an app? Or really keep a book handwritten? Does everything go in there? Every cent that is spent? That will really get difficult at some point.....

I did this once using Excel, based on my account. So I entered the fixed costs and then saw what I still had available. If you really need to see where you stand, it should be more granular. For me, this was enough to have a rough overview. Currently, I use Finanzguru as an app. However, that is certainly not everyone's thing because it is directly linked to your account. The advantage is that all contracts and regular payments are recognized, even if they only occur once a year (e.g., insurance).

I have read about the household budget multiple times here. Since it’s the beginning of the year, I would also like to try keeping one. Does anyone have tips? Is there an app? Or really keep a book handwritten? Does everything go into it? Every cent spent? That really gets difficult at some point.....

I have been keeping one since last year. I almost only pay with a debit card now and then pull an Excel sheet online from the transaction inquiry at the end of each month. It can then be nicely sorted afterwards by grocery store, gas station, auto repair shop, energy, clothes, etc.