Home financing about 500K - Can I afford it?

I think second hand is totally fine, especially for kids or for things you just don’t need new. My wife recently brought something from the social thrift store, which was a bit too much for me.

Buying all clothes new up to a certain age would be pure money burning.
But parents also need new clothes.
Just for work, I roughly spend about 30 euros per month. (always a new suit now and then, shirts more often, individual suit trousers). My wife spends a bit less.
Then there are casual clothes as well.
And our daughter won’t be getting any cheaper either.

I think this is an expense you have to factor in. Many forget it because during an extreme saving phase, it's possible to go six months without major expenses. But then, with a change of seasons, a lot of costs come up all at once again...

Clothes!!

completely overrated!
.
.
Of course... it was a joke!
As a woman, I spend about €609/year. WITHOUT HANDBAGS!
...and without sports clothes.
That adds up with bedding and stuff like that

I don't really see the problem here, except that the budget might need to be adjusted upwards a bit. It's not as if they have locked in the current income level forever.

As a technician, you first have to earn 60k gross as an entry-level salary, if I understood correctly. In the corporation, there is certainly still a lot of room for growth. The wife will also eventually work more again...

I also believe that the OP will be able to afford a house.

However, if you already know as well as possible beforehand how much money really remains at the end of the month, that is always better for planning.

Based on my own experiences, I can also say that you should be well prepared yourself before going to the house seller. And the forum here helped us immensely with that.

Just keep working on the numbers, look at specific entry offers from the GUs and calculate with currently available land prices and the threads on incidental construction costs here in the forum. Then you will definitely know more about where things are heading. Currently, prices are probably going up. But you can counteract that with discipline in the fittings.

Furthermore: roughly create a household budget or maintain a consistently high savings rate over a long period. Don’t go too much into detail, that is often not productive. It’s actually enough to examine and question fixed costs and typical consumption expenses. At least look at models for mobility security – meaning a car replacement.

You don't have to make a science out of it. Simply track the account transactions of the last 12 months (you and partner) and that's it. Analyze every 12 months and draw the right conclusion. I just did that myself again to forecast the special repayment for next year. It's clear that something can always come up (car workshop, washing machine, etc.), but the uncertainty is in the low 4-digit range. That's what you have the bonus, Christmas bonus, and so on for.