How much repayment is advisable for how much net income?

2018-01-29 20:01:09

Then use the narrow time window of elementary school years ... After that, the costs usually rise again.

I hope so. In reality, there is mainly a big gap in external care. For many women, things go significantly downhill career-wise there. Politics in recent years has "only" focused on daycare centers.

I've heard that several times, but it's still not quite clear to me how I'm supposed to spend an additional 250 € per month per child?

Food, leisure, clothes, phone, pocket money, and lots of nonsense.

They will come up with something.

2018-01-29 20:02:35

And the driver's license is so obligatory today that I simply have to make it possible for my children. It's not a luxury at all.

Depends on how you look at it. No one here had their driver's license paid for. From 14 you are allowed to work, and in the North people were confirmed, there was money. Paying for a driver's license from an apprentice salary is not that difficult either.

2018-01-29 22:06:42

these are just examples for those who cannot imagine that a child besides daycare does not cause any costs

I am talking about additional costs that currently amount to 250€ per child per month. In addition to things like food, clothing, child seat, which are already there anyway.

That's 3000 € per year for:
Pocket money --> what might an elementary school child get? 120€ per year?
Tennis and sports club --> regular sports club maybe 160 per year?
Moped --> you have to work or save for it
Driver's license --> you have to work or save for it
Class trips --> 500 every 2 years?
Designer jeans --> clothes are already there, otherwise I agree with Evolith
Cinema --> pocket money
Top-brand bicycle --> a mountain bike for kids costs what? 300-500€? lasts 5 years? so 100 € per year?
Apple and iPhone (phone/laptop) --> phone for kids? 100€? per year? an old laptop is enough for now.
Piano lessons --> no idea what that costs?
School supplies --> no idea what that costs? with us, those were provided back then, or it was about 10 Marks/€ per year or so
Media?

For me, that's 740 € per year. I can't estimate music lessons.
Even if I include the driver's license, I still don't see 3000 € per year over 18 years in addition to food, housing, furniture, normal clothes, trips, vacation.

So unfortunately, I am still not convinced

2018-01-29 23:20:45

I am talking about additional costs that currently amount to €250 per child per month. On top of things like food, clothing, child seat, which are already there.

That is €3000 per year for:
Pocket money --> what might a primary school child get? €120 per year?
Tennis and sports club --> normal sports club maybe €160 per year?
Moped --> need it for work or saving
Driver’s license --> need it for work or saving
Class trips --> €500 every 2 years?
Designer jeans --> clothes already exist currently, otherwise I agree with Evolith
Cinema --> pocket money
Top-brand bicycle --> a mountain bike for kids costs what? €300-500? lasts 5 years? so €100 per year?
Apple and iPhone (phone/laptop) --> phone for children? €100? per year? a laptop, an old one suffices at first.
Piano lessons --> no idea, how much does that cost?
School supplies --> no idea, how much does that cost? with us something like that was provided back then, or it was about 10 marks/€ per year or so
Media?

For me that is €740 per year. I can’t estimate music lessons.
Even if I include the driver’s license, I still don’t see €3000 per year on top of food, housing, furniture, normal clothes, outings, vacation over 18 years.

So unfortunately I’m not convinced yet.

No, we are talking about “after primary school,” as you said.
And it’s partly not about how virtuous you once were, but what your princess once again wants and/or needs.
A tennis lesson or another exclusive sport is not covered by a flat club fee... and you want to do everything for your child so that their talents are nurtured, right?!
Even if it’s just the new tutu, the new running or indoor shoes.
There is a fair in town, €20 is just enough for 4 rides on the carousel...

It’s not about what opinion I have on it. I myself grew up differently and get angry when the new PS such-and-such has to be bought, a child owns a smartphone, the horse needs a new saddle, etc., but my colleagues keep teaching me better: theory and practice in parenting differ worldwide.
Fathers would give their princesses the last shirt, mothers would iron the last shirt for their princes. That’s how it is.

2018-01-30 06:17:02

There are all kinds. But generally, the effortless "enable everything" seems to have increased. Scheduled kids who are supposed to do as much as possible, except learning to entertain themselves in their free time. That costs fuel for the chauffeuring and fees, membership dues, teacher hours, etc. But you don't have to play that game.

2018-01-30 07:15:02

Going on vacation alone during school holidays already terrifies me. Anyone who previously went on vacation twice plus skiing without being tied to school holidays ( [Kita Kinder] ) will look around.

How much repayment is advisable for how much net income?

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