How to afford building a house and buying land today?

You guys are starting to get on my nerves

You say that just YOU? Pretty cheeky when you look at your entire posting history here in the forum...

I understand... different times, after all.

Who still wants to spend their life this way today?

I find that an absolutely arrogant statement. Please don’t see yourself as the standard and generalize from yourself to others.

@Topic: I also grew up in a way that because of my parents building a house, a vacation was possible at most every 5-6 years, I know times when the fridge was pretty empty and I even had to lend my parents money when unexpected expenses came up. Was I unhappy because of that or had a bad childhood? No, I couldn’t imagine a better one for myself personally. I was perfectly prepared for life. The only thing I regret is not having gone abroad for half a year after finishing school. That was not common in my environment.

Now I have been on various long-distance trips, know what is possible and what great places there are, and still take the same step, which is probably considered a mistake by many here, and build a house with an absolutely low income. 2k net + 300 € additional income and a repayment of 820 € + additional costs. For the forum here, that’s harakiri, but for me it’s okay. I have consciously decided against long-distance travel, although for example the 3.5 weeks in the USA were awesome. Instead, I have my luxury house every day rather than 3.5 weeks/year luxury vacation. By the way, I am already servicing 90% of the loan during the construction phase and also pay half the rent on the side and have expenses for small building things and never have to go without anything except vacation that I had before. The savings rate has just dropped from 1k to 100 €.

I am probably the exception here anyway. Neither studied, self-employed, nor frugal. Probably too deeply rooted in the countryside and not a big city person.

By the way, I’m laughing my ass off (sorry for the expression) when I read what some people here build repayments for and consider it a matter of course, like iPads, MacBooks, 30k for the child's first car. That shows how out of touch with reality and spoiled we have become in Germany. Great elbow society.

I find that an absolutely arrogant statement. Please do not see yourself as a standard and do not generalize from yourself to others.

You find the "statement" arrogant? Very interesting. Especially since there is no statement in the post you quoted. Equally interesting is that you, the worldly person, then in the same post in which you mistakenly advise me not to generalize from myself to others, do exactly that and call those people naive.

By the way, I am laughing my ass off (sorry for the wording) when I read what some here set aside as repayments and consider it a matter of course, like iPad, MacBook, 30k for the child's first car. That just shows how naive and spoiled we have become in Germany. Great cutthroat society.

But that's just how it is... Preaching water and drinking wine yourself. In this sense Have a great week!

You find the "statement" arrogant? Very interesting. Especially since there is no statement in the post you quoted.

Equally interesting is that you, the cultured person, then in the same post in which you wrongly advise me not to generalize from myself to others, then do exactly that and call them naive.

But that's just how it is... Preach water and drink wine yourself.

In this sense

have a nice week!

It has also become a society full of envy. If you earn a corresponding amount of money, it is also spent.

You find the "statement" arrogant? Very interesting. Especially since there is no statement in the post you quoted.

You write in reference to Yosan's post "Who still wants to spend their life that way today". For me, that is a statement that I find arrogant. If I misunderstood that, sorry my mistake. But I suspect there was not much to misunderstand ...

Equally interesting is that you, the person of the world, then in the same post in which you wrongly advise me not to generalize from me to others, then do exactly that and call those world naive. But that's just how it is... Preach water and drink wine yourself. In this sense Have a nice week!

I am certainly not a person of the world, you probably aren’t either Touché, I generalized from myself to you. My mistake, I am no better than you are. However, I suspect that far more people can identify with my point of view than with yours. Ultimately, it doesn’t matter, everyone should and can do it the way they want.

It has also become a society of envy. If you earn the corresponding money, it is also spent

I agree with you. If you refer to me because of the above post, as a sort of retaliation, I have to disappoint you. I deliberately decided against studying and thus presumably a higher salary, although I had the qualifications for it. So far, I have not regretted it. Time will tell ... Envy of the above-mentioned luxury is certainly far from me – I simply don’t need it. Ultimately, different views clash there, it’s hard to find common ground. For me, that’s ok, to each their own.

You write in relation to Yosan’s post "Who still wants to spend their life this way today." For me, that is a statement I find arrogant. If I misunderstood that, sorry my mistake. But I suspect there wasn’t much to misunderstand...

I am certainly not a person of the world, probably neither are you

Touché, I projected from myself onto you. My mistake, I am no better than you are. However, I suspect that far more people can identify with my point of view than with yours. In the end, it doesn’t matter, everyone should and can do it how they want.

I agree with you. If you refer to me because of the above post, as a kind of retaliation, I’m afraid I have to disappoint you. I consciously chose against studying and thus a probably higher salary, although I would have been qualified for it. So far I have not regretted it. Time will tell... Envy of the aforementioned luxury is certainly far from me—I simply don’t need it.

In the end, different views clash here, it’s hard to find a common ground. For me that’s ok, to each their own.

Hi Pffreesyler,

Well, your attitude towards life/earnings/work/envy is all honorable.

But your interpretations are simply wrong. One must not only be able to understand but also want to. Otherwise, it’s all pointless. (Still: There is a difference between a sentence ending with a "?" and a sentence ending with "?!" But you apparently do not want to understand that.)

And even IF I meant it as a statement, I still see no reason to consider it arrogant. Many, I would almost say—every—next generation generally lives "better" or on a "higher standard" than the previous one. That’s life... And that’s also what parents want! They want their children to lead an (even) better life than they themselves. What should be arrogant about that I do not see.
Maybe there’s a bit of frustration playing a role for you?

You haven’t studied, would have been qualified for it, presumably earn less consciously, pay 50% of your "low" income in installments, and envy is far from you. If you’re satisfied with that, that’s great!

I’d say it’s going well. Congratulations!

P.S.: Since I have already lived in three countries outside Europe and have traveled a lot professionally around the world, I am probably closer to a "man of the world" than you are. Only with the necessary elegance I have trouble

And before you get annoyed again... No, that’s not entirely serious. Hence the smiley!

Many people think that when you are qualified, you automatically get a great job with 7000 net and 80 hours a week. That is not the case. I have done evening studies, work hard at my job, and do 2-3 hours of overtime per week. Which is perfectly fine with my income (85k per year). I have time for family and can consume and go on vacation. We have already traveled worldwide. I have to say that only in Germany there is a society of envy, never any recognition for what has been achieved. The well-qualified low earner complains, the high earner has to be ashamed that he consumes.