How much money do you have on the edge?

how do you actually have so much time to argue In sales there is only one logical explanation for this...

Aside from everything else: Publishing private messages is a no-go.

I see it differently. If someone is being harassed, it is a permissible means to defend oneself.

I don't understand why the provocation has to continue

What are PN for? Still annoying everyone here by always jumping into the thread?? Defend yourself? Then report it to the admin, it happens from some others anyway. To the one, the content of the PN, which can be read here, was meant kindly and is not even remotely comparable to false accusations, denunciations, and malicious gossip.

No one can find that good, on the one hand people rightly complain that we are behaving like children and that is annoying, and on the other hand PN and even posts – taken out of context – from other forums are supposed to be allowed to be posted here?

That is enough now, both know what is going on and that’s fine.

This is really just kindergarten here. I can’t understand why the numerous comments from you are not deleted.... The topic is just being spammed.

I also can’t see why hilfehilfe is still not banned from all forums and subforums. He is constantly provoking and/or writing posts that obviously have zero added value, just to give his two cents.... He is truly not a help, he needs help much more....

So, to get back on topic: we moved into our house at the beginning of the year and are slowly rebuilding our emergency fund, currently at 4 months' net income.

What remains for unplanned or rather unnecessary purchases and repairs, for vacations, dining out, and other discretionary expenses is about 25% of the net income at the moment. From that, reserves for a car in a few years can also be set aside again. Overall, that's not as great as when we were renting, but OK.

By the way, our mortgage payment is 30% of the net income, while the old cold rent was 21%.