How high are your living expenses after building a house?

alone food costs us easily over 1000 euros a month. Cars also make up over 1000 euros a month for us.

That is quite an upscale lifestyle - compared to the average.

The only thing that really helps is the well-known household budget book. If you analyze it afterward, you always find something. But actually, I don't see any numbers where a lot can be saved. What often helps me personally is to check the rates for insurance and energy again. Sometimes a long-term contract gets a little more expensive every year so that in the end it is actually no longer competitive.

Best regards, Gabriele

The statement shows a household that is managed with care and understanding. It does not matter at all what others spend. If the income finances this household well, then everything is fine. Unhappy is either the one who compares themselves in the wrong direction and also permanently lives beyond their means, or the one for whom the income is simply not enough to live on. It does not matter whether someone else spends a lot of money on cars, travel, real estate, art, boats, airplanes, football clubs, hobbies, space travel, elephant polo or whatever else there is.

I think that looks quite normal.

We pay 360 monthly for private pension insurance and [Riester], plus 150 for company pension insurance. Sometimes I'm unsure if that's too much?

Your expenses for groceries, drugstore items, clothing, house, child, I find thrifty. We certainly spend twice as much, I don't know the exact amount.

If you want to save, I would look at the recurring costs. Insurances, additional costs, electricity, mobile phone, etc. we all pay less for these.

Since the move, we have been spending significantly more, not for the living itself: different circumstances due to offspring, we cook now, different environment. Here and there some furniture, purchases for house and garden. I hope that will normalize at some point

PS: Don't forget to take a vacation.

Since the move, we have been spending significantly more, not on the living itself: Different circumstances due to the children, we now cook, different environment. Here and there some furniture, purchases for the house and garden. I hope it normalizes eventually

By the way, it’s similar for us. Here and there optimizations and especially all the new purchases for the garden that we didn’t have before. Or tons of lawn seed, since the lawn we beautifully planted in spring unfortunately didn’t survive most of the summer...
Then bark mulch for 500 euros and still the garden house, which was actually supposed to come in a few years...
I also hope it stops eventually...