ᐅ How much are your living expenses after building your house?

You just need to be quicker with new purchases.

Lawn: We had the lawn seeded during extreme heat, so we had it seeded professionally and arranged irrigation at the same time. We wouldn’t have managed to water it ourselves on time, everything would have dried out. The lawn is growing like crazy in this weather. Reseeding at the right time is cheaper and more reasonable—don’t even ask about the water consumption. Now that it’s green, less water is enough, and such high usage wouldn’t have been sustainable anyway.

The surveyor just came to measure the house. It didn’t take more than 15 minutes. I’m curious to see what it will cost.

boxandroof schrieb:

You just have to be quicker with new acquisitions.

Lawn: We seeded during extreme heat, or rather had it seeded, and immediately arranged for irrigation. We wouldn’t have managed to water it ourselves in time; everything would have dried out. The lawn is growing like crazy in this weather. Reseeding at the right time is cheaper and more sensible—don’t even ask about the water consumption. Now that it’s green, less water is enough, and the high consumption wouldn’t have been sustainable anyway.

The surveyor just came to measure the house. It took less than 15 minutes. I’m curious about the cost.

I watered like crazy… still, many spots dried out. That’s probably due to the sandy soil; now we’re adding a layer of loamy topsoil, hopefully that will fix it. Reseeding in autumn is just easier. Saves a lot of water, and by next summer the lawn will be strong enough. Anyway, learned something new again.

We only have sand as well. You need more water.

The watering here is not completely even. Areas with slightly less water were completely bare for a long time, while just 2cm (1 inch) away, there were brightly green patches, as if drawn with a ruler.

Good luck. It will work out.

I don’t see much extra space. If the cafeteria isn’t included with the cafeteria/store area, you might be able to make some improvements there. And depending on your expectations for entertainment (Amazon/Netflix), too. But these aren’t major changes, and whether it’s worth it…?

You are definitely not overspending.

I don’t find all of this excessively high.

I wonder why you’re asking. Do you feel you need to save more somewhere? Do you need to save more?

Kusserob schrieb:

Car: 200€ (including 50€ monthly reserve)

I think that’s set quite low. Are inspections included? Probably no savings rate for a new purchase. What if you need to get a new car?

Kusserob schrieb:

Mobile phone / Internet / Netflix / Amazon: 100€

You could probably manage with less. Flat rates are available for under 10€, Netflix isn’t necessary, it’s just an extra luxury.

Kusserob schrieb:

Legal protection insurance

That’s not necessary either. Very few people actually end up needing to sue. However, your private pension contributions are very high. You’re covering yourselves multiple times over. Retirement provision is basically the house, maybe an additional life insurance or something similar. You have an investment like a large family.

Kusserob schrieb:

Miscellaneous (restaurants, cinema, hairdresser, etc.): 200€

That can be reduced to half. Discount vouchers and deals for dining out. Cinema tickets are expensive, so maybe a cheaper Prime subscription (Netflix possibly back on the table?). Honestly, those are extras... if you want to live more frugally, you simply cut those.

Kusserob schrieb:

Utilities (electricity/heating/water): 250€

Including waste disposal etc., that’s okay.

Kusserob schrieb:

Clothing: 100€

Frugal!

In total, your expenses are driven by your income. So if you have to, use a household budget and review your insurances. If it’s just a feeling, it’s probably about the insurances.

That’s my opinion.

100€ for clothing per month, respect! I don’t remember the last time I managed that...

If at all, I only see minimal potential for savings with insurance.