Is the dream of owning a home realistic?

There definitely won't be anything left. Just the garden for 15 thousand euros won't work. Better to plan for 30-60. Many unforeseeable costs will still come.

Thanks for your feedback. Yes, unfortunately you're right.. We saved really poorly. But the income was of course not at the current level at the beginning either.

We took out the loan back then before the wedding and used it to finance everything from the wedding to every single lamp, fork, curtain, etc. for moving in together. Really dumb idea, I would never do it that way again. But unfortunately, now it’s too late..

We both come from not so well-off families, so we’ve been managing everything ourselves since youth (from shampoo to new shoes).. There was no saving involved and after university, we started with a big minus..

We gave up big vacations the last two summers and only took smaller trips outside the season. I paid off my student loan for two years (there were still tuition fees in my time), BAföG is still running and the parents + part-time (since I earn 1k more than my husband) broke our backs in between when we still had to pay the loan instalment. But I think we recovered quickly after all.. We have only been managing the 1500 savings since June this year.

We are also considering buying one of the cars, but does it really pay off pricewise with everything included (repairs, inspections, insurance, etc.)? We would calculate that and possibly switch..

I agree with you – we probably have to watch our expenses more and write everything down in detail. That’s why we somehow don’t dare to take on the new build project. But I also don’t find the alternatives very satisfying