ᐅ Is it possible to finance a fitted kitchen?

moHouse schrieb:

If you create a proper expenditure and financial plan and stick to it diligently, you won’t end up in financial trouble.

I think you can never be completely safe from surprises. Saying that anyone who runs out of money in the end just planned badly is too general for me.
For most people, it’s their first and only house. You gain a lot of experience only along the way. Yes, with the expert knowledge – or the knowledge you have after the build – you could have certainly made a better calculation… but who has that from the start? Sometimes you don’t even have it when you hire a professional.
That was exactly my experience. In the end, I could have made the calculation correctly once I knew which defects in the existing building had been overlooked, which expenses “slipped through,” which issues appeared out of nowhere, and where I had actually chosen an upgrade. It was a bit of everything, and overall I ended up just like @fach1werk describes. That’s why I still have to wait a little longer for the terrace surface...

Altai schrieb:

I believe you can never be completely protected from surprises. Saying that anyone who ends up just short didn’t plan properly is too general.

For most people, it’s their first and only house. You gain a lot of experience along the way. Yes, with the expert knowledge – or the knowledge you have after building – you could definitely have done the cost estimation better... but who has that from the start? Sometimes even hiring a professional doesn’t guarantee that.

I had the same experience: in the end, I could write the calculations correctly once I knew which defects in the property had gone unnoticed, which items “slipped through,” which popped up like devils out of the box, and where I actually chose an upgrade. It was a bit of everything, and overall I ended up like @fach1werk describes. So I still have to wait a bit for the terrace flooring...

Yes, taken out of context, my post does sound a bit arrogant. That wasn’t my intention.
What I meant was that during the construction phase, too many unplanned extras (in terms of little treats and finishing touches) were added, so in the end there was no money left for the luxury extras.
That’s why I suggested not buying those extras in advance, because then you wouldn’t have funds for the really important unforeseen costs during the build.

So anyone who plans their extras in advance and sticks to that budget discipline should normally still have money left at the end for something like a sauna.