kandamir
2019-09-10 16:21:54
- #1
Hello Julian,
in my opinion, the breakdown of your monthly costs cannot be complete and is far too low compared to the total costs. You should calculate correctly here so that you don’t later wonder why much less money is actually available than planned:
Groceries only 350 euros for a household of 4? That seems way too little, that would be less than 3 euros per person per day including drinks…
The following items are completely missing:
My advice: keep a household book for at least one year where all costs are really recorded so that you have a realistic view.
in my opinion, the breakdown of your monthly costs cannot be complete and is far too low compared to the total costs. You should calculate correctly here so that you don’t later wonder why much less money is actually available than planned:
Groceries only 350 euros for a household of 4? That seems way too little, that would be less than 3 euros per person per day including drinks…
The following items are completely missing:
[*]Costs for drugstore / hygiene products, cosmetics, medications
(especially with a toddler, there are always large expenses at the drugstore)
[*]Vacations
[*]Costs for leisure activities (eating ice cream, swimming pool, cinema, amusement park, attending festivals, etc.)
[*]Reserves for car (inspection / repairs / new purchase)
[*]Special expenses for purchases for the children (vehicles, furniture, toys)
[*]Savings contributions for children and adults
[*]Costs for consumer goods (purchasing new electronic devices (notebook, mobile phone), tools, kitchen appliances, furniture, etc.)
[*]Expenses for gifts or hosting celebrations (birthday / baptism)
[*]Disability or life insurance
[*]Private retirement provision
[*]Donations
My advice: keep a household book for at least one year where all costs are really recorded so that you have a realistic view.