How much money do you have on the edge?

Knowing someone doesn't have to have anything to do with requests for false advice.

HilfeHilfe, you know my other appearance, in 9 years has there ever been a single complaint about anything? One? Publicly appearing and always findable? One? A single consumer

well, the doctor will be pleased to see his name publicly mentioned in a "fraud discussion" here


I have brought the communication of the Federal Financial Supervisory Authority to attention

I consider 3 months' salary as a buffer to be too low, even though it is often suggested that way. Personally, I keep about 40 months' salary for possible eventualities. I believe somewhat less is also okay, but with the low interest rates, the cost of maintaining the buffer is manageable.

Do you know each other personally, or where does the hate come from?

I come from a world where forums had clear topic structures. Everything that didn’t relate to the subforum’s topic was moved to the corresponding topic forum.
I come from a world where in forums the moderation intervened in OT posts in threads, warned and deleted them, cut out related OT discussions, moved them to the OT area where they could then argue. And three days after the last post they were automatically deleted.

I have noticed in - this forum in particular and on the internet in the last ten years (so since hans, 67 and proud dachshund owner, also started posting) in general - that people like to jump from one hundred to one thousand. It has felt for about 12 pages now that it’s no longer about the original question. While that is the natural course of a conversation, that doesn’t exist here like that. This is a forum, not a chat. Here there is a concrete question from the thread starter, and those who have nothing to say about it should just leave it be.

Of course, I am not an admin or mod and it is not up to me to decide about such things – but put yourself in the shoes of someone seeking help from outside who landed here via Google, and from page four on only reads nonsense.

I once knew someone for whom the special repayment was the highest priority; every free euro went into it... then when a new car was needed, all bets were off. He definitely did not want to take out another loan. Also, there was never any money for anything else; the partner had to pay for that (meaning the "smaller" purchases like a new washing machine, which are inevitably needed from time to time, not the general living expenses).

You have to have a reserve of available money. I know the guideline of three months' salary. And I think many people building a house have to tap into this reserve as well. (Me too). And then it has to be replenished accordingly afterwards. But maybe you are in the fortunate position of not having had to use this reserve.

Hello,

Fortunately, we have the reserve secured here because, on average over the year, we never had to touch the three months' salary. We are conservative with consumption; if we cannot pay cash, we don't buy it. It works quite well, for example, we were also able to pay for my wife's car in cash. The only things that sometimes get postponed and should be deposited into the account later are, for example, cosmetic repairs and renovations on the house: driveway, facade painting, new kitchen window, etc. And I will have to forgo the new conservatory in the next five years (in time for my 50th). This also serves as self-discipline; otherwise, you lose the sense for expenses.
Since we have two small children (3 and 1), my wife is currently not earning. She will start again in October. If you will, all expenses are made from my salary. Although, to be honest, I wouldn't want my wife's job with two toddlers at the moment...
The special repayment amounts to 5%, which I have always been able to manage so far. So, after just over 11 years, we have paid off the mortgage and the money pit belongs to us. However, I would not make the special repayment if I foresee getting into a liquidity problem.

And of course, this whole game only works because I live not in Munich but in the provinces of northern Germany.

Lars

Personally, I keep about 40 months' salaries on hand for possible contingencies

So having 40 months' salaries as a reserve is something we can only dream of... but well... but well... after not even 40 months of corresponding work, that would probably be unrealistic anyway

I would very much like to focus solely on the actual topics, especially to help those seeking help and consumers, and I also believe it is clear that I am making a great effort in this regard.

We should still correct only falsehoods; if I have been a bit harsh, then a small sorry.

I do not personally know HilfeHilfe; if that were the case, he would not behave like that, nor constantly rail against me, make senseless and partly punishable false claims, and especially talk about fraud in relation to me.

This is solely due to anonymity; personally, he would never behave like that towards me!