House financially feasible at about 5,000 net?

Constantly going up and down probably less so..

I find it absolutely sensible to repay as much as possible for as long as possible. Then reduce the repayment for a few years and once the situation has settled, whether and how much one works again, you adjust the whole thing accordingly.

We did it that way too and even made special repayments when it was possible.

In my opinion, anyone who lacks discipline to save doesn’t have it, regardless of the rate.

In other forums, people would shake their heads
Repay high?
Better to repay minimally and invest the surplus, you get 100 times more from that....

In other forums, people would shake their heads High repayment? Better to repay minimally and invest the surplus, you get 100 times more from it....

Everyone can handle it as they like and I’m happy for those who can grow their money. I have no idea about investing money, nor do I want to take the risk of losing money, and a smaller debt burden is worth more to me than 3% return or whatever else. And that’s why I prefer to repay as much as I can and yes, I even pay the special repayment, and everyone can shake their heads about it, I feel better that way :)

Mobility costs (2 paid cars):
- Insurance: 67
- Taxes: 15
- Fuel: 120
Subtotal rounded: 205 euros

good

that means you do all the manual work yourselves (from oil changes to transmission repairs)...

since NO depreciation is budgeted, I assume the cars are so old that the first low-maintenance 5 to 10 years/150,000 km are over - and since there are no reserves for replacement, that the cars will be kept in operation for decades?

... then for the house you can also just calculate the materials and build everything by yourselves!

good

that means you do all the manual work yourselves (from oil changes to transmission repairs) ...

since NO depreciation is budgeted, I assume the cars are so old that the first low-maintenance 5 to 10 years/150,000 km are over – and since no reserves for a replacement purchase are made, that the cars will be kept in operation for decades?

... then you can only calculate the materials for the house and build everything yourself!

If you had read the post completely, you would know that I said further up that with wear/repair it’s also 300 euros – excluding saving for a new car.
And you would know that the cars are 2 and 7 years old.
(It should also be said that I leased the 2-year-old car before and it hasn’t cost me a cent so far except for gas, insurance, and taxes. I know costs will come, but not excessively; I had significantly older cars before, which were consistently low-maintenance and never really cost me more than brakes and a set of tires.)

I do have depreciation, but probably less on the 7-year-old, however in my opinion these aren’t euros that actually leave the account and are therefore not listed. (See above for the savings rate)

If you had read the Betreg completely,

if you had read my post between the lines, then you would know that your calculation seems somewhat rosy to me ... --> whoever does not include the car inspection fee, workshop, depreciation/reserves for replacement procurement, etc. in the monthly budget (because these items do not occur monthly) ... ... what does that person then forget when budgeting a house construction/renovation project?

It doesn't matter which car, it always costs you at least 300 euros. The rest is just window dressing.