Königsbiene
2013-07-02 10:15:20
- #1
I agree:
- Building surveyor (we had often fallen in love with existing properties and at first everything always looked rosy, or just about 100,000€ extra costs... after a friendly building expert had casually gone through the respective house with us, the dream was usually quickly over...)
- where has the money gone so far, why wasn’t any equity saved?
- don’t be too naive about the parental leave! You get good parental allowance for one year, which is easy to bridge. But what happens after that one year? Will you both really work full-time again? Or will one only work part-time, or not at all? And childcare costs money! We pay almost 800€ per month for our two toddlers! So, even if you both go back to full-time work, you should calculate high costs for your two planned children (because they don’t just cost for childcare, there are many other things that add up).
- you plan that you will never have peace and know that there will always be something to do on the house. Today, without children, that certainly doesn’t seem too bad. But just wait until children are here. Then it will be different. We both work full or almost full until 3 pm. The time with the children is limited. Besides that, we still have to clean the house, do the laundry, take care of the garden, meet friends, meet other children, renovate something in the daycare and so on. Suddenly, we are fully occupied with the children. And I can tell you, if my husband had to do something on the house every evening or weekend or if I had to manage the administrative stuff for the rental apartments... that would quickly lead to trouble between us.
- Tenants can also be annoying...
- Calculate the additional costs meticulously. They will not be insignificant. And some of these you will initially pay out for your tenants and only account for later exactly. When there are additional payments, many tenants can’t just pay them easily...
But if you are sure, then do what your heart tells you! But as I said, some dreams just cost too much money (our conclusion).
- Building surveyor (we had often fallen in love with existing properties and at first everything always looked rosy, or just about 100,000€ extra costs... after a friendly building expert had casually gone through the respective house with us, the dream was usually quickly over...)
- where has the money gone so far, why wasn’t any equity saved?
- don’t be too naive about the parental leave! You get good parental allowance for one year, which is easy to bridge. But what happens after that one year? Will you both really work full-time again? Or will one only work part-time, or not at all? And childcare costs money! We pay almost 800€ per month for our two toddlers! So, even if you both go back to full-time work, you should calculate high costs for your two planned children (because they don’t just cost for childcare, there are many other things that add up).
- you plan that you will never have peace and know that there will always be something to do on the house. Today, without children, that certainly doesn’t seem too bad. But just wait until children are here. Then it will be different. We both work full or almost full until 3 pm. The time with the children is limited. Besides that, we still have to clean the house, do the laundry, take care of the garden, meet friends, meet other children, renovate something in the daycare and so on. Suddenly, we are fully occupied with the children. And I can tell you, if my husband had to do something on the house every evening or weekend or if I had to manage the administrative stuff for the rental apartments... that would quickly lead to trouble between us.
- Tenants can also be annoying...
- Calculate the additional costs meticulously. They will not be insignificant. And some of these you will initially pay out for your tenants and only account for later exactly. When there are additional payments, many tenants can’t just pay them easily...
But if you are sure, then do what your heart tells you! But as I said, some dreams just cost too much money (our conclusion).