Single-family house: Is the rate realistic? How much house can we afford?

Well, maybe I should at least do the math right. 2500-1310=1190 :rolleyes: I immediately set up a savings account and the standing order. :)

But in our example, wouldn’t it be enough to set aside €1,500 for "testing," or where is the flaw in that reasoning?

The flaw lies in the average, €1,500 x 12 = €18,000, minus the weak moments, I treat myself to something. Whoever wants to drive at an average of 120 km/h is also driving at 150 km/h.

The error in reasoning lies in the average, 1500€ x 12 = 18000€, minus the moments of weakness, I treat myself to something.

That is the whole point of the exercise - to transfer the 1500€ from the income to the savings account right at the beginning of the month - and not touch it. No matter what comes up. For special expenses, a different, regular reserve account must be used. If you stick to that until the construction, everything is individually okay.

The error in reasoning lies in the average, 1500€ x 12 = 18000€, minus the weak moments, I treat myself to something. Whoever wants to drive at an average of 120km/h is actually driving at 150km/h

I honestly don’t understand this right now. If I save 1,500€ for 6, 9, or 12 months (and mentally add 1,300€ cold rent), that already reflects quite a bit. What weak moments do you mean and how are they supposed to be represented in the savings plan? By the way: I’m currently still saving 700€ in ETFs. Adding the cold rent, that results in an exercise over the last year of 2,000€, without us being restricted even remotely. I don’t necessarily have to save in ETFs during the first years of construction since, as a “civil servant,” I’m not urgently dependent on private retirement provision. At least I hope so; you never know…

Which weakness moments do you mean and how should they be reflected in the savings plan?

if you buy, for example, a car with this money, the average is no longer correct. If you do not touch this money, everything fits.

if you buy a car with this money, for example, the average is no longer correct. If you don't touch this money, everything fits

Huh, yes that's exactly the point. If I take the money back from the daily allowance because I need it, the calculation obviously doesn't add up.