Home financing - please provide an assessment

Private label and discount store included,

Where is the problem now? I always have to think of the butter or chocolate cookies from the REWE private label, which are produced by Bahlsen (Leibniz). The same unhealthy junk, but about 30% cheaper.

I am always amazed at the insanely low expenses for food. Do you all fish in the supermarket dumpster in the evenings? 500 EUR for 3 people, that's at Bürgergeld level.

basically, you can say that currently only two people are eating solid food. I just calculated the expenses for groceries for the current month. As of today, they amount to 285€. And that even includes eggs and potatoes from the farmer. Currently, there are hardly any costs for eating out, as we try to save as much as possible.

Among other things. There is also Baukindergeld or the home ownership subsidy from NBank.

The NBank is new to me. I just looked it up. The income limits are very low there. Who is supported there? Do you perhaps have more information for me?

No, unfortunately not, since I come from BW. The limits are usually always very low, but the moment when the woman is on parental leave is usually the moment when it then works. At least that is how it is with us in BW.

But spontaneously, I don't see any income limits at all.

Depends on the situation....

Regarding food:

For us mostly drinking water or tea, hardly any alcohol etc.
Rarely eating out, no time or desire.

Costs are low there too.

About 100€ per week plus daycare meals.

But that is not a conscious restriction, it has always been like this for us.

Income quite okay as a skilled worker and doctor.
At least so that my salary is left despite loan payments, but excluding special repayments.

As said, needs and reality.

House additional costs all in 300€ with electricity, sewage, property tax, phone, internet, [Gez] etc.

Only expensive are 2 cars in maintenance.