How much repayment is advisable for how much net income?

Food is certainly another point that will cost even more. But for clothes, the change interval is longer for 3-year-olds, right? Tennis or other "exclusive sports" or musical instruments can definitely make it arbitrarily expensive, but that is a luxury that one must be able and willing to afford. For me, that does not fall under costs that will definitely occur and from which one remains "poor" because of children. These are also not "talents" that are being promoted, but fun. And fun does cost, but it must always be in relation. If that applies to me, it also applies to the children - otherwise a different car would be parked outside.

Well, what is fun ... if my children want to do something like sports or music, I support that. Yours can go numb in front of the iPad. Very few choose garden fun as a hobby. We preferred to choose small when buying the house including the financial burden so as not to save at the wrong end! The main thing is to build a huge house and later enslave oneself/the children elsewhere.

Well, what is fun ... if my children want to do something related to sports or music, I support that. Yours can go dumb in front of the iPad. Very few choose garden fun as a hobby. We preferred to choose small for the house including the burden so as not to save at the wrong end! The main thing is to build a huge house and later enslave oneself/the children in other ways

Well, that’s quite a level, respect

Well, what is fun ... if my children want to do something related to sports or music, I support it. Yours can just zombify in front of the iPad. Very few choose garden fun as a hobby. We preferred to go small with the house including the burden so as not to save at the wrong end! The main thing is to build a huge house and later enslave yourself / the children in other ways

It's not about denying children their hobbies, but simply keeping them in proportion. If the child wants to play the piano, they can't also do tennis and riding. Or they pay for it themselves (as it was for me back then). At least that's how I experienced it in my childhood and have planned to continue it. How I actually behave when the little rascal begs me, of course, is a completely different question. But until the really expensive hobbies come for him, we still have a few years. Until then, I still have time to somewhat increase my salary
Currently, we are starting with martial arts, and this season he will also go to children's swimming. After that, we probably won't continue with water familiarization. I hope he sticks with martial arts and finds his joy there and doesn't switch to the trumpet at some point.

Currently we are starting with martial arts, and this season he is still going to children's swimming. After that, we will probably not continue with water familiarization. I hope he sticks with martial arts

yes, that's a start
I want to remind you parents, not you specifically, Evolith, but in general, that this is done for the children, what is feasible. It was probably no different for you yourselves.
And if the situation is such that many schoolmates or friends do a certain sport, you probably don't want to exclude your own child from their own social circle. As a parent, you also want the child to be able to contribute socially to communities, as well as to develop themselves individually.
I know, everyone does it perfectly for themselves and everything else is wrong, but independent couples quickly become striving parents: what once meant "my child should have it better later" is still applied today. And that includes support in every respect, which costs money.

Well, that's quite a level, respect

It's not about refusing children their hobbies, but simply keeping them in proportion. If the child wants to play the piano, they can't also do tennis and horseback riding. Or they pay for it themselves (as was the case with me back then). At least that's how I experienced it in my childhood and decided to continue it. How I behave when the little one begs me is of course a completely different question. But it will be a few years before the really expensive hobbies start for him. Until then, I still have time to increase my salary a bit
Currently, we're starting with martial arts, and for this season, he is still going to children's swimming. After that, we probably won't continue water familiarization. I hope he sticks with martial arts, finds joy there, and doesn't change to the trumpet at some point.

I agree with you, especially since it also costs parental leave.

Only with the previous speaker, it reads as if the own garden should be enough, end of workday.

An important foundation that one can give to children is education. For me, this includes not only formal schooling but also every other kind of general education. Whether it is through learning an instrument or practicing an artistic hobby or otherwise. Sports are not only good for health but also help develop social skills and personality. In everything a child does, they never become less intelligent, but can always learn more. For this reason, we enable our children to participate in all activities they feel like. For me, it is not just an expensive hobby if my child wants to play the piano or go horseback riding, but an investment in their future. Music education is part of a good general education, and playing the piano also trains fine motor skills and improves hand-eye coordination. Having to take care of an animal promotes a sense of responsibility and the ability to empathize.