How much money do you have on the edge?

Hello everyone!

I am currently dealing intensively with the topic of house construction!
Since it is going to get serious with house construction for me next year, I wanted to know from you how much money you have "left over"!

By "left over" I mean what remains for you after all deductions (installments, insurance, shopping, daycare fees, fuel, electricity, garbage, internet,...) every month! So money for vacations, unplanned purchases,...)

When I add everything up for myself, we have between €1000 and €1100!
I would really be interested to see how it looks for others!

I am looking forward to interesting answers!

Thanks to you!!!

How many people are you? 2/3/4??? We have about 2000€ left per month with 4 people!! And thanks to bonuses etc., about 10,000 net per year.

Is percentage-wise much more interesting. If I have 1k left from 20k net, that's bad. With 2k net, great.

How many people are you? 2/3/4??? We have about 2000€ left monthly with 4 people!! And thanks to bonuses etc. about 10,000 net per year.

Have 6,300 net, so 30% above monthly

In that sense, we don’t have any “leftover” money at all, as we do budget planning, and if at the end of the monthly budgeting session there is still something left, it either means it was done wrong or there was an interruption and people forgot to continue. For vacations, Christmas, gifts, saving for a car, etc., we allocate money just as firmly as for rent or shopping or insurance, and if a month is tighter, we try not only to save on the goodies but also on the boring things. That said, the money this month is divided among our cost groups as follows: -“Major projects” (house, new car, bigger trip the year after next, new IT equipment): 35% -Very necessary things (clothing, food, fuel/tickets without monthly passes, office stuff, professional literature, vehicle repairs, etc.): 27% -Not quite so necessary things (vacation, going out, excursions, media, etc.): 6% -Monthly fixed costs (everything that is fixed, regardless of necessity): 29% -Allocation of quarterly to yearly fixed costs: 3% Cold rent and house savings together are as high as the later installment, and we have planned relatively little for the less necessary things because the vacation fund was largely filled by a Christmas gift. Instead, more for the world trip (or similar). How exactly this will look when we are actually in the house is still a bit unclear due to too many variables but it will work out. We know our levers.

In a normal month without major special expenses, we have about 1,500 euros left over. However, this is mainly because we currently still have a relatively cheap old rental contract and practically no fuel costs. After moving into the house, it will definitely be quite an adjustment.