Special repayment, saving or consumption?

In this forum, some people seem to see only black or white. Why do many here assume that using special repayments means you can't do much in life? I don't know anyone who, despite special repayments, leads a "burdened" life. Vacations and enough money for leisure activities and hobbies are still there, and neither we nor our circle of friends are high earners.

That's not what I meant. If there is something left at the end of the year, why not? I just can't understand the attitude of "saving at all costs and with discipline so that you are quickly debt-free." What you describe is something completely different.

In this forum, some people only see things in black or white. Why do many here assume that using the special repayment means you can't do much in life? I don't know anyone who, despite special repayments, leads a "burdened" life. Vacations and enough money for leisure activities and hobbies are still there, and neither we nor our circle of friends are high earners.

Totally agree. We also live very carefree, my daughter is 9 years old and has already been with us to Jamaica, Cape Verde, Greece, Egypt, Turkey, Mallorca.

My wife and I celebrated her 31st birthday in January in the Maldives and in December we will celebrate my 40th birthday there, if Corona lets us.

As I already wrote... Just because we handle money disciplinedly doesn't mean we have to do without in any way. I'm just not a fan of making long-term commitments.

Well, there are people who are so "disciplined" that everything is regulated and the grapes in the supermarket are counted, there are people who are the opposite and praise their frugality because they only eat out twice a week. It depends on the healthy middle ground. Everyone has to find that for themselves. And with children - a bit more [80s style] wouldn't hurt.

Well, there are people who are so "disciplined" that everything is regulated and the grapes in the supermarket are counted, there are people who are the opposite and praise their frugality because they only eat out twice a week. It depends on a healthy balance. Everyone has to find that for themselves. And with children - a bit more of the 80s wouldn’t hurt.

Very good last sentence, thank you!

Very good last sentence, thanks!

You get kids first

First have children yourself

Always the same argument You also hear that again and again in private contexts...

In my opinion, it is a matter of attitude. We are fundamentally completely different in this regard compared to many others in our circle of acquaintances.

That certainly changes a lot, no question! However, it does not change the attitude that ultimately influences the upbringing and the child.