What is your opinion on our planning? Are we taking on too much?
Have we overlooked any costs? Are the assumed expenses and additional costs realistic?
How does it look with having children? What monthly additional expenses should be planned for a child?
Planning can work out.
Taking on too much, no, but it can become tight temporarily if income does not increase, but wishes or living conditions do.
One always overlooks costs when building a house. Therefore, plan reserves and do not go to the limit.
Expenses and additional costs can fit. Include a buffer.
Additional expenses for a child are difficult to quantify – depending on the lifestyle, there may simply be shifts. Consider reduced income if you want to take parental leave, for example.
Expenses for children increase with their age. The really expensive things are the unnecessary items:
[*]Complete initial equipment from furniture to stroller, buying new (really brings nothing to the child, only to the parents)
[*]Dependency on expensive baby food due to insecurity or inability to cook yourself
[*]Overload with baby courses like “Listening to English in the first year”…
[*]Overloading with toys (I also advise to hold back the environment…)