New Single-Family House Construction - Feasibility Assessment

Spending one to two monthly net salaries on one week of vacation is certainly not achievable for many families. I don't know any family that regularly spends 4-9k on a one-week vacation with children. But of course, that does exist. However, I believe that this is at best entertaining for the questioner here, but it does not answer his question. There are no children present, and the vacation with children in 4 years does not have to be planned right now, and as mentioned, it is very individual and also adaptable to what is actually earned then.

We’re not going on vacation at all for the next few years. That’s okay too. ¯\_(ツ)_/¯.

If we ever finish inside someday, our beautiful house will be vacation enough for me.

We have taken great and sometimes expensive vacations, but now during the construction phase and the time afterward, the focus is simply elsewhere. But I also have some international friends, so I can get a bit of a different experience without paying a lot.

Vacation for me is not a "given" every year but a luxury (even if it "only" costs 1000€). I sometimes think that many people here in the forum have to "worry" about money more in terms of how to spend it rather than how to have enough of it. Sure, building a house is expensive (especially now), but there are also many people, just like said, who don’t need every fancy thing in the house and are still happy. But those people are rather not here.

(...) I believe that this is at best still entertaining for the questioner here, but it does not answer his question. There are no children present and a vacation with children in 4 years does not need to be planned right now and, as said, it is very individual and can still be adjusted based on what is actually earned then.

Your debate about the vacation is entertaining, yes. However, the other posts regarding children and costs should be taken to heart and one should certainly not base their decision on any of those usual thought experiments like "Yes, children cost money, but in 5 years I will earn a lot more..." The actual reason for the divorce, besides the stress during house construction, is if in the end one decides against children for financial reasons but the partner absolutely wanted children. That does not end well.

Also with the "in 5 years we will earn much more." Nonsense. Children usually force one parent into part-time work, and with the looming economic crisis, to be honest, I am already glad if I still have a job in 5 years and earn the same as today. You must not bury your head in the sand, that’s true. But I do not share the optimism many have here. Because our competition from China is becoming stronger faster than one could have anticipated 10 years ago. The compulsion to do everything yourself due to isolation is currently almost fueling the Chinese.

One can certainly calculate optimistically - everyone stays healthy, income steadily increases, children arrive as if by the push of a button perfectly healthy, modest, and easy to care for. And then it's better to calculate the financing again with only one current full salary.

Deciding "against having children for financial reasons" is such a First-World thing. We whine or rack our brains – in a house-building forum, where people juggle hundreds of thousands – about the affordability of children? As if they were some kind of optional good. Some single mothers should read what we’re saying here. Here, people are considering foregoing children so that the rest will somehow work out. I would prioritize that completely differently. If you want children, they will grow up with 2nd hand clothes and books from the flea market. For me, the children would come first – the rest will somehow work out.

Has there ever been a case in the forum where someone was actually stopped from building a house because forum members warned about some future costs? :D

I can remember a case of an Eastern European diva who wanted everything top of the line for her house but didn’t want to give up her 800 euro monthly budget for designer clothes. She wasn’t much into working either. (Part-time in her mid-20s and childless)

But otherwise, it mostly helps to plan for a certain buffer and possibly forgo some extras in the house.

That’s why I think it’s wrong to generally assume 10k per year for vacations in a financing thread and accuse people who plan with less of bad calculations.

I now always see things like that with a big grin.
From personal experience, every ordinary person picks 1-2 things to blow their money on. And there are always some special cases who have to let others know that you absolutely must not spend less. That would be totally unreasonable.
If you look left and right at these people, of course it’s scrimping and saving on other topics.