Is a new building realistic?

I calculate an average of €500 for 3 people in our household. I think lunch in the canteen or at the workplace is particularly significant for us. With 2 meals at €4-5 each per day over 20 working days, about €180 is already spent, plus €50 for the child in [Kita]. That’s already €230 without any shopping included. Then there’s the weekly shopping of about €50 per week at the discount store or supermarket, and occasionally drugstore and bakery, and suddenly it’s €500. Having the hot meal in the belly gives us the advantage that we don’t have to start cooking in the evening.

The 180 EUR do not affect me because the employer pays for the food. In the evening, we always make enough so that my wife still has a meal for the next day. The food money for the [Kita] will actually be added in 6 months.

In Bornheim Kardorf. 320 sqm plot, 125 sqm living area, total price including garage for 310,000 EUR + additional construction costs. It is a semi-detached house. Painting and floor coverings are not included.

No one wants to harm you and as much as I understand that you currently feel attacked regarding yourself and your lifestyle, I must also point out that you do not give the impression of actually having your finances under control... and checking this circumstance was your concern here, wasn't it?

In your 2nd post on page 1 of this topic, you write that you have "2541,- euros left after deducting all expenses." On page 3 you then attach your breakdown, which results in 1750,- and suddenly (after correction) only shows 1450,- euros, but that does not stop you from continuing to calculate with the 1041,- "reserve" later on, which results from the difference of the original 2541,- and the installment plus additional costs. And from this very "reserve," you mentally cover every item you overlooked in your breakdown (clothing, vacation, tires, barbecue party, birthdays, repairs, special repayments, child, etc.). What actual "reserve" remains if one of you is unemployed for even a few months?

By the way: 820,- warm rent + 70,- parking space + 65,- electricity + 17.50 GEZ + 30,- internet/phone amounts to 1000,- euros, but you give 1200,- for this position - what else is included there?

Food is totally unimportant to you and cooking is no big deal, then every day healthy cooking with mostly meat again, even though at least you only eat warm once a day and do so free of charge in the canteen. And all that for 300,- euros (which, by the way, is less than the state allocates to a family of three for food costs under Hartz IV!) from which all other household items also have to be paid.

Maybe you really are such frugal people (I once saw a documentary about "couponing," that was impressive) and a bit lucky with "fate." But if you are really interested in a critical assessment, you should probably be advised to either save longer or buy cheaper.

And because I just happened to discover it, regarding insurances:

The basis of every wealth accumulation (and that is what buying a house is about) should be the coverage of existential risks. I understand that not everyone is eager to deal with this topic, but one should get through it before eventually realizing that the policy one was talked into during training is unfortunately useless or, in the worst case, not insured at all.

You specify 233,- euros for insurance (yours) in the breakdown, of which 80,- euros go to life risk, liability, and accident (2x liability is still nonsense, by the way). This leaves 153,- euros, which supposedly also includes the company pension scheme, which you already accounted for in your net income in your initial post as "directly deducted from gross." So is this now 153,- euros Riester, or something else?

However, the problem remains that you rely on both incomes but only have the loss of income due to death of an earner insured. A life insurance for your wife is missing, and also a disability insurance for both in principle. Instead, you prefer an insanely expensive accident insurance, yet see no need for action.

I want to emphasize again that I really do not mean it badly, but the overall picture shows me that you / you all do not really have an overview of your financial situation at the moment and / or represent it differently here as needed, and in this case, you should definitely be advised against buying a house for 320,000 euros, as either it does not add up or your information does not allow an assessment.

In Bornheim Kardorf. 320 sqm plot, 125 sqm living space complete price including garage for 310,000 EUR + additional construction costs. It is a semi-detached house. Painting work and floor coverings are not included.

Looks quite nice on the map and not that far from Weilerswist.
Have you already talked to a financer?
What about the property transfer tax? Commission included? Because quickly 30,000 euros in additional purchase costs arise, which usually have to be financed from equity.

I already mentioned in one of my posts that I intend to replace the accident insurance with a disability insurance. Maybe I really expressed myself confusingly, but the 2541 EUR referred to the amount remaining after deducting all costs.

2541€ - 1200€ loan installment - 300€ incidental housing costs leaves 1041€.

I think I do have my finances under control because on page 3 I posted a breakdown online that still includes the rent (maybe you overlooked that). This naturally falls away and this amount is then available. You calculated with rent and loan installment, so of course different amounts come out.

Let's just leave the costs of 300 EUR as they are for groceries. Others seem to come to similar values as well.