When the dream of the house bursts

We are off topic here, so here is my experience with it. (not meant to be offensive, just somewhat interesting, I hope : )

I'm glad that we negotiate every year. I've been here for 2.5 years now, so had 2 salary increases. I have to say that I just graduated from university of applied sciences. First salary increase was 5%, I was very satisfied. And the second was 7%. Since I was a member of IG Metall before my studies, I appreciate that. There it was, I believe, around 4% over 3 years?
I can’t imagine in my case that changing jobs would be helpful : )

And in general regarding this thread >>> Ignore the troll "don't feed the Troll"

Regards : )

Well, my experience goes along these lines too, changing jobs can greatly increase your income. I more than doubled my income that way. And my first job already involved elevated work and responsibility. It just wasn’t stated in the contract and the job was paid horribly. The only good thing was that I learned a lot and experience also counts.

Now about the salary increases, they are really quite reasonable at IG Metall. You also have to consider the high base salary for a 35-hour job here. E9 is possible for someone with vocational training and further education, and that’s then €3,800 gross. So I find the salaries very good.

To the original poster:
A change could really help you. You have to have some courage sometimes. With one year left on your contract, I don’t see the risk as very high either.
So save money, educate yourself further, and don’t be afraid to take new paths. Then just have another look later.

In numbers: 100 + 0 (because one boiler, which is included in the 100, is enough for that) + 10 = 110. 130 - 110 = 20 sqm Adam-Riese cheating surcharge, mind you as a "lower limit"

Then you still lack water, electricity, telecommunications. These utilities are more voluminous in a single-family house than in a condominium, where, for example, the electricity meter is located in the basement.
The house feed of the gas connection also looks a bit different in an apartment with a gas boiler than when it is a single connection in a single-family house. When I look into my garage here at what shut-off devices and measuring equipment are attached, it is not something that can just be found in a corner of an apartment.
So a technical room belongs to it. A utility room/laundry room would also have to be mentioned.

By the way, people do not build single-family houses to live like in an apartment.
A household of 4 people, 130 sqm, that is already the target mark. Look at such floor plans here, what do you really want to save there anymore?

By the way, people don’t build single-family homes to live like in an apartment.

When rent and building are compared, you have to compare one square meter with another square meter, otherwise it’s apples and oranges. The “would-like-to-have” surcharge is understandable and everyone is entitled to it, but it costs extra. The built-up space doesn’t get cheaper just because you live in it as an owner. And accordingly, it doesn’t become more valuable for the same money. An increase in living space without a raise in salary doesn’t simply work like magic just because you link it to moving into your own walls.

: If you first save up some equity for a few more years, you will definitely spare yourself one thing massively during this time before construction begins: your nerves! I’m telling you from my own experience, and many other original posters here will surely confirm that to you. The stress starts as soon as the contract is signed...

Hello,

with 2,400 € you won’t be able to build anything. There are absolutely no reserves for contingencies.

I see you buying a new condo or a used condo. The risk is manageable there and you are part of a homeowners’ association.

Your wife will not change jobs, most women live in a comfort zone and are satisfied when things are harmonious at the company.

With 1 year remaining on the installment loan, I would start looking now at "what’s available on the job market."

You still haven’t revealed which industry you work in, maybe we have some tips.

your wife will not change jobs, most women live in a comfort zone and are satisfied as long as there is harmony in the company.

OT: Hello? Where do you live?
I often wonder what kind of women some men attract. I say attract deliberately (not undress ), because they apparently only ever meet the same type. Pitiful.

Well, I have changed jobs over 10 times for various reasons, mostly because of moving. Comfort zone? Ha!

When rents and building are compared, you really have to compare a square meter with a square meter, otherwise it's apples and oranges.

I also don’t see that you can compare a house with an apartment by square meters. In my opinion, that’s also apples and oranges. A 130 sqm apartment is large and already luxurious. 130 sqm as a house, on the other hand, is rather standard. The factor that comes into play here is probably that the costs per sqm for a 100 sqm house are higher than for 130 sqm. It hardly pays off to build even smaller. It’s different with an apartment, since several units share the roof etc.