Home financing about 500K - Can I afford it?

School supervision is at least not necessary for us, my wife works from home 80 percent of the time and if at all, she is in the office in the morning, midday would also be the time for cooking etc.

But I agree with you, one should be honest with oneself and rather accept maxima for every post.

You don’t take vacations?

Here is the list of costs that pile up for us:

- Costs for drugstore / hygiene products, cosmetics, medication
- Vacation costs for leisure activities (ice cream, swimming pool, cinema, amusement park, attending festivals, etc.)
- Costs for the car (inspection / repairs / fuel / insurance / maintenance /
- Reserves for new purchases
- Special expenses for purchases for the children (vehicles, furniture, toys)
- Savings for children and adults
- Costs for consumption (purchase of new electrical appliances (notebook, phone), tools, kitchen appliances, furniture, etc.)
- Expenses for gifts or hosting parties (birthdays / christenings / etc.)
- Disability or life insurance
- Private retirement provision
- Donations
- Hobby and pets
- Garden (flowers, plants, etc...) etc.

Have you taken all that into account?

- Clothes!!

There are always specialists here who build an 800k house and only spend 100 euros a year on clothes for the 4-person family. But that's not the norm