Do you like my standard – finances?
Hello,
I was just sitting over my financial plan and asked myself whether I'm doing well financially. This isn't meant to be bragging, I'd just like to hear other people's opinions and comparisons. Regarding my finances: I'm 30 years old, single, childless, female, and drive a newer, stylish Audi. Fuel costs are high due to the long commute, but in return, I live "rent-free" with my parents. The house is paid off, and I've converted my own floor into an apartment. (My parents pay for my board, but I get all my own groceries, laundry detergent, etc.)
Despite all the fixed costs, I still have around €1,000 available. This includes all costs – insurance, financing, food, fuel, and other expenses.
My net income is around €2,200.
Is it "a lot" to have €1,000 a month for leisure, shopping, etc.? I'll soon be investing a portion of it monthly for my retirement.
I am open to honest and open, competent opinions.
Best regards
(1 votes)
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At the age of Mutti living would be nothing for me
30 median income does not speak for a great career
1000€ about but apparently everything is going to the head does not speak for financial intelligence
No old-age provision but “send an Audi”
As long as you can live with your parents for almost free, you won’t get any financial problems. For me, this would be nothing in constellation, but it would be all his.
Everyone’s gonna say something else.
For the first time, it remains to be noted that your income is normal. The median income in Germany (weighted for demand) is 2100€ per month (which makes you slightly higher but very close to the average – that is, completely normal).
You’re still living in the parent’s house at 30, so you have very low housing costs, for this an expensive car (where the “saving rent” flows). Personally, I’d rather drive the brightest bullying car than stay with my parents at 30, but that’s a personal decision.
But you can answer your question yourself: If 2100€ is the median income, but the “typical” citizen must also deny housing costs (which fall away from you) the logically has less money available than you.
thank you for your statement 🙂
The money available is more than many others have. In particular, the average salary is because many of them cannot live anywhere without rent.
Where I personally find the decision to buy an expensive car without having pre-sorted financially questionable, but that’s just my opinion and I don’t care about cars.
You should just watch that you don’t make yourself financially dependent on your parents so that you can handle something on your own. Imagine you get to know someone and he doesn’t want to move in with your parents, then you should have your finances in such a way that you could pull out.
Yeah, that’s okay. Not overwhelming, but okay. Of course, you have a great advantage over others that you live virtually free of charge and only pay for additional costs, etc. 1000€ for “Dich” left is already a lot.
To me. I’m 31, earn a good 3000€ net in my job. Over the years, I have built another side income of about 500€ net month. With my wife I live in a beautiful new building, with terrace, garden, etc centrally located in a Bavarian small town. Accordingly, there is also a lot of living costs a month away.
Since we are too two and have two incomes, of course, everything is distorted. I say this: according to housing costs, insurances, foods and fuel tanks, we still stay loose at 3,500 to 4,000€, of which we currently invest 2,000€/month. However, I am also aware that this is not the standard.
It’s important that you’re leaving something for age in the long term. It looks bad for our generation. 😉
Folding. An Audi is a cost factor, no more.
What are you recovering, except salary?
a happy life full of beautiful moments 🙂
For asking a financial question, you are very non-financial.
My daughter is 24 years old and has been working for 1 year and earns 2.200€ net. Since you are much older, your income should be a little higher. So be happy to live at home, otherwise you could not save anything.
You should work on your career to at least. Your 3,000€ will be nice to come soon.
Nevertheless, it is good to save 1,000€ a month away.
What exactly does your daughter do if I can ask? 🙂
She learned MTLA. What are you doing?
The median income in Germany is 2100€. This is therefore a typical or normal income. With 3000€ one is already one of the top 25% of the population.
I therefore do not think that the statement is durable. Of course “sollen” is such a thing. Of course, everyone wants to be one of the top 25% – but 75% (and thus the absolute majority) don’t do that…
I agree with you – not forgetting East and West salaries
Let’s see what the future brings 🙂
o.k. Unfortunately there are hardly any chances of ascent. Maybe if you switch to a wholesale group and take over a department.
Exactly:) learned
Retail trader?
sale 🙂