House buying - No idea what one can afford

Yes – unfortunately, I was not lucky enough to be raised in a way that encouraged saving. I have been working since I was 16 years old, alongside school and university, always. I dare not even calculate what the situation would be now if I had invested 50 or even just 20 euros monthly in a fund... or even "just" a savings account.

This is not a matter of luck. Don’t always look for the reasons for your wrong decisions in others (in this case, your parents). I was not "raised" that way either. My parents worked their entire lives, yet financed every car and never acquired any property. You get three guesses as to why that was.

At the costs for Klein-Steffen?

An den Kosten für Klein-Steffen?

No. On the lifestyle and the attitude towards saving. I don't mean that negatively at all. My parents also had no ambitions for home ownership. So completely fine.

Little Steffen already improved his pocket money on the internet in 8th grade.. Back then, FrontPage was still sufficient for that.

So that the framework does not take longer than completion... I would like to question that?! Of course the basement and everything around and inside takes just as long, but the outside does not...

Regarding the household budget book, here is a tip on how I do it, since you said "it's too stressful for you." There are good programs or apps that help you automatically categorize and analyze your account transactions. I use Finanzblick for example. Since it also imports your past account transactions, you can even get a rough overview retrospectively today (except for cash withdrawals, which logically have no purpose specified). However, this should not replace a detailed household budget book - at least for a certain period of time.

Best regards

So that the solid construction does not take longer than finished... I would like to question that?! Sure, the basement and everything around and inside takes just as long, but not the outside...

Then just read one or the other construction diary. A solid building including the basement can be ready to move into in less than 6 months.

As already mentioned, prefabricated houses often come as "expansion variants," or you just have to hire people for that. The trades are similar. Electrical work takes its time, heating and plumbing too. And erecting drywall partitions is not done with a snap of the fingers. They also need to be plastered and sanded and possibly the whole process repeated.

I have been following the thread from the beginning... and I get the impression that for you the topic of owning a house is actually born out of a "hairbrained idea" without having dealt with the subject even a little bit.