I am now assuming the following costs, the fact is that my wife will earn at least 700 euros more again in the near future and the daycare will no longer be needed in 4 years and with the current job my starting salary with tax class 4 still has to be changed
Property tax 40 euros
Waste 20 euros
Street cleaning 25 euros
Water 40 euros
Heating 170 euros
Heating maintenance 40
Electricity 100
Telephone 30
Chimney sweep 10
Reserves 170 euros
Insurance 50 euros
Total 695 euros
Car (so someone here is satisfied) 400 euros
Food 550 euros
Mobile phone 20 euros my contract I will let expire and use the company phone privately
Fitness 40
Miscellaneous 400
Broadcasting fee (GEZ) 20
Insurances 50 euros (Private accident insurances are paid by the company)
Daycare 500
Total: 1980 euros
695 euros ancillary costs
1980 euros living costs
total: 2675 euros
approx. 4600 - 2675 euros
left 1925
now you can tell me where I still have to top up
You don’t take any vacations?
Here is the list of costs that pile up with us
- Costs for drugstore / hygiene articles, cosmetics, medicines
- Vacation costs for leisure activities (eating ice cream, swimming pool, cinema, amusement park, festival visits, etc.)
- Costs for car (inspection / repairs / fuel / insurance / servicing)
- Reserves for new acquisitions
- Special expenses for acquisitions for the children (vehicles, furniture, toys)
- Savings for children and adults
- Costs for consumption (purchase of new electronic devices (notebook, mobile phone), tools, kitchen appliances, furniture, etc.)
- Expenses for gifts or hosting celebrations (birthdays / baptisms / etc.)
- Disability or life insurance
- Private retirement provision
- Donations
- Hobby and pets
- Garden (flowers, plants, etc.) etc.
Have you considered all that?