My home financing 2025 is bursting against reality

There are two options: earn more money or forget about buying a house. Under current conditions, this will be a divorce case.

Sugar is addictive

it is hard to stop that overnight

as long as the figure doesn’t explode, then let her have the sweets

as long as the figure doesn't explode, let her have the sweets

Duuuuuude. It's 2025. Not 1950.

It would be nice if you wouldn’t say it so disparagingly. Not everyone’s life goal is to spend 600 EUR on groceries for four and put every cent into their own home. Luckily, one has to say, because the nail salon, the hairdresser, the flower shop... all these (small) people (weren’t you in the SPD?) live off those who leave a decent amount of money there... no hairdresser can survive on a men’s haircut alone for 20 EUR...

That is only disparaging in the sense that the woman apparently does not particularly want to have a house, otherwise she would support the idea of going on vacation less and living with her own hair. He apparently wants the house more than she does - and both of them have to first reach a basis. That is also an insight.

You basically want to forbid her from everything, totally understandable that she then shuts down.

Why don't you agree on a compromise? You save some money (e.g. on 3 and 4 from your list), you sell a few of your apartments and maybe you can still get a loan for the house purchase (and not all 10). Then you should be able to find a solution.

Do you keep a household budget book? Nowadays that also works as an app and automatically evaluates your accounts. That makes the expenses a bit more transparent and maybe you can argue better this way. Maybe you also find a few expenses that can be reduced without your wife having to restrict herself (changing providers for electricity and , heating, insurance, various subscriptions, groceries, etc...)

That definitely reads more like a general relationship problem than a housing problem. If you have such fundamentally different views on life in the marriage, you are definitely in the wrong forum. You can’t tear yourself apart for the house if your better half obviously doesn’t value it. But you mustn’t hold it against her in the way you phrased it; that’s not entirely fair. But who knows, maybe she’s currently writing in the [Urlaubsforum] about how much she would like to go on a world trip while her stingy, nitpicking (I’m exaggerating now, please don’t be mad) husband desperately chases the house and suffocates her (from living the life she would like to live). “If the approach already fails, the landing goes badly.” Good luck to you both.