How does everyone afford a house?

some things are already calculated a bit too precisely here. Everyone has different expectations for their phone + contract or\ and their dental supplementary insurance. If a home financing falls through because of the 100 euros, the whole project was already on shaky ground.

some things here are calculated a bit too precisely. Everyone has different expectations for their phone + contract or\ and their dental insurance. If a home financing falls through because of 100 euros, the whole project was already on shaky ground.

The sum makes the difference. Or also: what remains at the end of the month.

If a home financing fails because of 100 euros, the whole project was already on shaky ground.

It does not fail because of the 100 euros, but because of the 100 here and the 100 there.

Uh, details? (Comparable to about 25 euros/month for us -- I would like to improve on that.)

I have something like a double household management in mind for the thread starter (I might be mistaken). For 2 x DSL/landline and 2 x mobile phones, I find 100 euros not excessively much. Maybe cable TV is included as well. Or GEZ/broadcasting fee. So I certainly don’t condemn that.

Leisure/education/gifts averaged 507 euros/month for us in 2014. But this includes vacation (2 adults + 2 children) and also music school for the children (which wouldn’t make sense for me ).

We use the Flat300 from Aldi, 7.99€ per month....

Well, I certainly don’t condemn that.

No one is being condemned here. It is only explained why some peers with the same income can accumulate equity and others cannot.

Leisure/education/gifts averaged 507 euros/month for us in 2014.

But 500€ is quite a lot! Very few can probably afford that alongside saving and building a house! Although we don’t want or need that at all, regardless of whether we can afford it or not, and that’s why I (personally) am glad

500€ is already quite a lot! Probably very few people can afford that alongside saving and building a house! Although, whether we can afford it or not, we neither want nor need it, and that’s why I (personally) am glad [/QUOTE]

That is really an interesting perception. 6000€ per year for leisure and especially vacation for 4! people seems very little to me. In my circle, that easily goes just for vacation (and not necessarily for 4 people).

This is honestly by far the most interesting thread since I started reading. A lot becomes clear to me. And the much-cited setting of priorities is really extreme. Some people apparently hardly need anything that costs money. They do have a nice house, after all. Others would feel that same house is a prison under the same circumstances.

It is also interesting how many convinced, frugal homeowners accuse those who spend more money elsewhere of being wasteful. For example, I’m not so much into technical gimmicks, clothes, etc. But eating out, going out, culture, traveling all cost money as well.