Variable loan possible / sensible?

He:

Food: 400-500€

She:

Total expenses: 515€ including food.

You calculate and budget separately? That won't work. You have to keep one household budget, not two. No matter how much you go around in circles here, already defined it correctly (I think it was him), but many details also come to light that you should question for yourself. Not us... a stroller for 1500 is quite a sum. I myself also indulge in quite a bit, but 300 bucks every month just for a dress... and even if that is an exaggerated example from you - also four times a year a dress for 150€ I find somewhat excessive, because not necessary when building the nest is pressing.

You calculate and budget separately? That won’t work.
There has to be one household budget, not two

I find a separate breakdown extremely positive, as a finer classification reveals more savings potential.
At least in theory, since the husband’s €500 food budget surely includes the weekly groceries for both together.
At least in theory, since the husband’s €280 car costs actually finance the lady of the house’s car.

Be careful: in practice, two cars are needed permanently. Two cars generally mean more than €280 per month for loans and reserves, just to be able to buy them regularly (every 10 years)!! Buying one of the cars with cash obscures the actual financial needs well. At this point, you must not deceive yourself. Above all, after the car loan expires in about 3 years or so, you must not set the car purchase item to zero.

Oh, why does the pendulum always have to swing like this here?

She herself said that a dress for 300 euros every month is then no longer necessary.
What is there to discuss about that now?

I hope we don’t continue down the path of "if you haven’t been saving for a house for xx years, a house is not right for you."
My wife and I are the perfect counterexample.

But: we really made a cut. Still, we treat ourselves to clothes, eating out/takeaway and cinema (when it’s even open). Just less often.
We have more steady income (in the months of saving and financing 5.5k net. Now 6k). I don’t remember how much the OP earned from self-employment. And how secure the income from self-employment is. In the end probably about as much as we have. Though the question is whether the profit from self-employment is honestly calculated. If your income can only be generated by high expenses, then it’s not pure profit. I read somewhere that your self-employment caused a lot of travel. That could mean: saving on trips automatically means less income from self-employment. But that’s just a guess.

I know what you want to say with your statements, . But worlds collide there and is directly shocked when here they talk about "clothes only when they break and then second hand," "never eating out," and "cinema the last time 10 years ago" :D

She herself said that a dress for 300 euros every month is then no longer necessary.

Yep! But going from 300% to 50 isn’t that easy... maybe you should just google her nickname (without the first name), then you’ll know the usual "level" ;)

I already understood the nickname ;)

And some of the statements also really annoyed me (from the other thread).

But she is not stupid. And I believe in the ability of people to change :)

But she is not stupid. And I believe in the ability of people to change :)

I don't. But that's the beauty of variable financing. You see in two years what has actually been repaid and saved. Those are hard facts, regardless of any verbal statements. The nice thing is, in two years you can still sell the plot and switch to the condominium. No problem at all, no kids' room will be needed until then anyway. I stick to my point. Finance the plot now with variable interest and save seriously, rather than just saving on vacations. Then you'll see in two years where you stand and what you can do. That is completely independent of my talk and that of the forum. Again: Go for it.