House construction too expensive - Stop building?

Have you ever made a detailed household budget, comparing all your expenses with all your income?
I mean, YOUR real numbers, not the flat rates that banks use.

It helps to see the concrete numbers black on white. Then you have something to relate your feelings to.
It also helps to actively do something.

Either it then doesn’t look as bad as feared. And/or untapped saving potentials become apparent.

Property. your installment should not be a problem with your salary + rent.

And the rented apartment is always a liquid emergency fund.

Therefore: From my point of view, it doesn’t look bad at all.
If it feels different to you, look for the reasons. Write them down for yourself. Consider whether they are all realistic.

Yes, I am working on the medical help because I see how it is affecting me.

I have done a household budget:
Income 4600 (after parental leave approx. 4770)
+ Rental income approx. 500
Expenses:
Fixed costs for insurance, car, media, and operating costs for the house (300€): 1,200€
Groceries and drugstore: 800
Fuel 300
Daycare 350

At the end, 720 euros remain for leisure and savings plus the buffer from the rent.

So far, that always looked good to me, but recently I can't shake the feeling that it is not enough, or just enough to survive but not to treat myself...

The apartment cannot be sold because it is a granny flat in the parents' house. Only the rent can serve as a buffer.

I also think that a proper household budget can help. We have a similar starting point, but we are building at a fixed price and turnkey. We have factored in solid buffers beforehand and created a budget plan that covers everything possible. Starting from fuel costs to Netflix and the monthly insurance installments. In the best case, there is a sum X left over at the end. If that is still enough for savings rates and the occasional trip to the beer garden or zoo, then you shouldn’t have to worry. We also had concerns at the beginning. As harsh as it sounds, in the end, I always keep in mind that a house stands opposite the mountain of debt. It has value and, if necessary, you just have to sell it and have learned from it. You have an apartment as a backup, you are still with your parents/part-time, and your income is absolutely fine, measured against the rate. I would recommend that you jump out of the construction hamster wheel for a while and take nice trips as a family, recharge a bit, and try to see the construction not as devastating but as beneficial. In the end, you stand in your house and are happy to have managed the ordeal!

I have made a household budget:
Income 4600 (after parental leave approx. 4770)
+ Rental income approx. 500
Expenses:
Fixed costs for insurance, car, media and house operating costs (300€): 1,200€
Groceries and drugstore: 800
Fuel 300
Daycare 350

At the end, 720 euros remain for leisure and savings plus the rental buffer

I have not included my husband's holiday and Christmas bonuses. Approx. 3000€ p.a.
And I also receive a small bonus when I work again, approx. 500€

That always looked good to me until recently I can't shake the feeling that it's not enough, or just barely enough to survive but not to treat yourself...

You are treating yourself to a house. Only a few people can build a house and blow money. 800 euros for food and drugstore items for three people is also not economical. There are four of us and we spend less. There is still potential to save.

You will easily be able to build a 154 sqm house for 400k. Especially with a lot of own effort. I am building 192 sqm for 250k and there would still be a lot of saving potential.