Prefabricated house or solid house companies - budget

We have built and financed in such a way that we can get by on one salary.

A salary with which you could cover all your fixed costs and all living expenses?! Hallelujah, then you must be in an enormously relaxed situation. Who can still build like that today? From such a high horse, it’s of course easy to condemn.

It is of course easy to judge from such a high horse.

I wouldn't have noticed a rider here. Nor anyone who is judging.

Who can still build like that today, please?

Apparently not as few as you think. My wife's income is currently a bonus, I could manage living expenses and debt service as a sole earner; of course mainly because my "back is held free," which one cannot appreciate enough. Even with (increased) short-time work allowance, some money went into the savings account.

enormously relaxed situation.

I think on a platform that is mainly about the new construction of owner-occupied residential properties, very few are in a truly tense situation.

And yet I believe that most current builders could not do without a full salary, at least not if they were not already in a comfortable situation through inheritance or family land. Or to put it another way: If only those who could do without a full salary were allowed to build, then this forum would soon no longer be needed.

As for my wife's income, it is currently bonus; living expenses and debt service I could cover as the sole earner; of course mainly because my "back is covered," which one cannot appreciate enough. Even with (top-up) short-time allowance, some money went into the savings account.

But it also reads as if you couldn't do without your salary...?

And yet I believe that very few current builders could forgo a complete salary, at least not if they were not already in a comfortable situation beforehand through inheritance or family land. Or put another way: If only those who could afford to forgo a complete salary were allowed to build, then this forum would soon be unnecessary.

The trick is to hold back on the "wanting." What do I want, what do I need? We are also at about ~5000€ net per month. But we bought and renovated an existing property for a total of 230,000€. Why? Because we want to have money left for the here and now. Without having to worry. Zoo for 100€? No problem. Eating out the next day? No problem. You can spin it like that indefinitely. Short-time work or the insolvency of my wife's company? No problem. We don’t pay 20% of our income as a rate. Sure, we could restrict ourselves and pay double. But do you really want that?

The trick is to hold back in "wanting." What do I want, what do I need. We also have about ~5000€ net per month. But we bought existing property and renovated it. For a total of 230,000€. Why? Because we want to have money left for the here and now. Without having to worry. Zoo for 100€? No problem. Going out to eat the next day? No problem. You can keep spinning it like that. Short-time work or bankruptcy of my wife's company? No problem. We don't pay 20% of our income in installments. Sure, we could restrict ourselves and pay double. But do you really want that?

I never doubted that and see it the same way. But that is a decision everyone has to make for themselves.