Tweener
2018-01-19 10:56:35
- #1
Thank you very much for all the opinions and experiences.
That is an interesting thought. I have often had it as well. With 1-2 children we would necessarily need a bigger apartment. In our current area, we would actually come to a similar cold rent as the 900€. Of course, you have to look at the calculation as a whole with all costs including advantages and disadvantages like flexibility. Nevertheless, it remains an interesting thought.
As already mentioned, I approach this matter quite pessimistically (maybe too much). For her, the part-time employment would be with a 75% requirement from the employer. If I calculate with that and assume that despite the remaining >30 working years I will not get a raise anymore, we would have 4000€ net per month (without child benefit / Christmas bonus / vacation pay). With a bank rate of 900€ and ancillary costs in the range of 300-400€, 2700€ would remain per month for everything else. Special repayments / part of the reserves could be made using the 3 (in part-time 2.75) additional salaries.
Are 300-400€ ancillary costs (gas, electricity, residual waste bin, organic waste bin, chimney sweep, residential building insurance, property tax, telephone/internet, broadcasting fees) realistic in NI for ~145m^2? Even if it is not a passive house, I hope that, for example, the heating costs will not double measured by the living area. After all, we are currently heating in an old building and then in a reasonably insulated house.
Regards
Looking at it the other way around. If you have a burden of 900,-. You would definitely have that much in rent in an apartment as well.
That is an interesting thought. I have often had it as well. With 1-2 children we would necessarily need a bigger apartment. In our current area, we would actually come to a similar cold rent as the 900€. Of course, you have to look at the calculation as a whole with all costs including advantages and disadvantages like flexibility. Nevertheless, it remains an interesting thought.
As already mentioned, I approach this matter quite pessimistically (maybe too much). For her, the part-time employment would be with a 75% requirement from the employer. If I calculate with that and assume that despite the remaining >30 working years I will not get a raise anymore, we would have 4000€ net per month (without child benefit / Christmas bonus / vacation pay). With a bank rate of 900€ and ancillary costs in the range of 300-400€, 2700€ would remain per month for everything else. Special repayments / part of the reserves could be made using the 3 (in part-time 2.75) additional salaries.
Are 300-400€ ancillary costs (gas, electricity, residual waste bin, organic waste bin, chimney sweep, residential building insurance, property tax, telephone/internet, broadcasting fees) realistic in NI for ~145m^2? Even if it is not a passive house, I hope that, for example, the heating costs will not double measured by the living area. After all, we are currently heating in an old building and then in a reasonably insulated house.
Regards