That is correct, although I pay well over 800 €, I also receive the monthly employer's contribution transferred. But since I receive one and pay the other, I considered/consider the statements "I receive 3200€ net, pay 1260€ for (all) insurances" to be correct, or not?
It may be mathematically correct, but very unusual to state it that way. As Altai already said, you suggest a higher income that you do not actually have. The health insurance is not a voluntary insurance that you could simply remove without replacement.
I would still be interested in the cold rent and your actual monthly savings performance. And yes, health insurance must be calculated out.
Yes, that is the best indicator: cold rent + savings compared to the monthly installment and you can see how much breathing room there still is.
In the initial post, you mentioned numbers:
Income and expense totals:
[*]Total income currently about 5,400€, part-time period 6,100€, afterwards about 7,100€
[*]Total expenses 5292€
[*]Balance: currently basically nüschte, otherwise about 800€
[*]Cold rent and parking space about 700€
The calculations with the health insurance aside... that nothing is left over is not so great. Cold rent 700€ compared to a desired rate of 1200€-1400€ plus higher additional costs, reserves and all necessary small purchases... it doesn’t add up. Not even with 800€ more from your wife’s part-time job! And you even say that your vacation costs will increase in the future. To put it bluntly, you are even planning to increase consumption.
Actually, you have great conditions with the property, equity and good salary, but as said, it doesn’t add up.