Thanks a lot to you first! A few remarks from me, I don’t want to leave this uncommented :)
That is of course absolutely clear to me, but I still wanted to mention it for the sake of completeness.
Honestly, I find it difficult to judge based on my one post here, I think one shouldn’t generalize ...
When I started my bachelor’s degree, we were not exactly “rich” - on the contrary. Therefore, the student loan back then was the only chance to cover the arising costs (private university, moving ...) I don’t see anything wrong with that. In retrospect, I would do it the same way again, bachelor’s and master’s personally brought me a lot. Regarding finishing the FH degree only at 27: I was born on July 1st, so back then I was just barely not enrolled with the class of ’90, otherwise I would have finished school a year earlier. After graduating in July, I immediately started the bachelor’s and finished it within the standard period, then immediately started my master’s and also finished within the standard period - so it was absolutely impossible for me to be finished before 27. In parallel, I was also a working student for 2 years and worked alongside my studies, so I don’t want to let the “not living purposefully” stand like that.
That can certainly be debated. The fact is that we both rely on a car. Earlier, I shared a car with my mother (not possible anymore after moving out), my partner’s Polo had 200,000km on the clock and had to be replaced urgently. Therefore, we decided on leasing, but also fully aware that the house construction will probably take some time and without knowing that we would get a building plot so quickly. In the end, of course, one can argue whether a somewhat cheaper car would have done, clear.
Here, too, I think one should differentiate how and what my mother spent the money on. I don’t want to go into details now, because it’s not my money, but I can say this much: no money was thrown out the window or spent unnecessarily, on the contrary. A large sum was invested in renovating her apartment (new kitchen, complete bathroom, complete living & dining room), where she has lived for a long time and will continue to live permanently, part went into my repayments and also here a new car was needed (cash purchase, small car, 3 years old, about €15,000). Another part (about €30,000) is additionally invested in ETFs and stocks on the stock market.
Thanks for your assessment! :)
Why are you still justifying yourself after such a disrespectful shitty post? Nobody in general gives a damn about your background. I hate people who use every opportunity to humiliate their counterpart about as much as I hate athlete’s foot. It’s not like you’re about to retire soon, but well, now I can feel my pulse slowly rising.
My assessment of your situation: Make sure to significantly increase your salary, because that is extremely low for a master’s in PM. But the course seems to have already been set, although of course anything not fixed in writing should be taken with caution. Don’t let the carrot be held just out of reach for too long.
You can already secure the plot when the authority contacts you. But in your place, I would only start construction at the earliest 2 years after buying the plot, as long as it doesn’t conflict with regulations. Until then, you can already repay significantly and ideally also set aside some money for kitchen etc. Maybe also reconsider your requirements for the house’s features: 160 sqm living space, double garage, basement etc. I think that in total might be a bit too much of a good thing.