Attualmente sto cercando un appartamento e recentemente ho scricchiolato alcuni numeri su come sarebbe per me e il mio partner vivere in debito.
Questo è puramente ipotetico ed è lo scenario peggiore in cui non abbiamo straordinari o altre fonti di reddito al di fuori delle nostre primarie. Ciò presuppone anche che non otteniamo mai un aumento di stipendio per tutta la durata del prestito, nessuna inflazione e non aumento degli interessi bancari.
Dopo aver tenuto conto degli elementi essenziali, il resto per noi 2 sarebbe di circa € 752 e mi sento incredibilmente ansioso e depresso sapendo che questo è tutto ciò che avremo lasciato verso la fine del mese.
Sto cercando alcune intuizioni da parte di persone che già vivono con un mutuo.
- Come riesci a cavartela nella vita?
- Come riesci a risparmiare per una giornata piovosa?
- Ti senti come se ti stessi limitando dal goderti la vita?
- Come gestisci la tua ansia intorno alla questione?
Grazie in anticipo.
https://i.redd.it/heg8m21mdhqf1.jpeg
di ShawnStrike
12 commenti
And here i am, thinking of what it would be like to still have 700 left till the end of the month.. i dont even have any debts or loans 🤣
Hey, at least i get a taxed government bonus every now and then…. viva malta u viva cola!
That looks pretty accurate (source 15 years with home loans).
The two things that appear out of norm.. Too much paid in insurance and 100eur clothing per month?
This is where I get stuck on how the base price for property is about 250k. I don’t get it. Even on a decent salary, it’s too heavy a payback, especially at a time when many people are buying solo (even though I suppose 30 years ago people also bought solo since many women still didn’t work).
But yes, 2 people on a regular salary (that’s for both of you right, so circa 25k each, which is normal and good) still need to be careful, which is annoying.
Having said that, in my opinion, you live once eh, so enjoy that 700 leftover.
No idea why this showed up in my feed. I’m in the US but the numbers are similar (except I got a giant ass house).
Basically, I’ve had to learn financial discipline. I can have 1000-2000 leftover per month, if I am financially disciplined.
Saving €750 a month after paying your investment and put money into a pension plan makes you anxious and uneasy? The rule of thumb is to not have your loan repayment exceed 30-35% of your gross income, so you are safe. Also, that is truly your worst case scenario as the loan repayments remain static while your pay will increase.
To reduce your anxiety further, set up an emergency fund and keep it liquid. An emergency fund is ideally 3-6 months expenses put aside for you to use on a rainy day.
is your net for 2 people i didnt understand
€ 300/month insurance? That looks wrong
Utilities for two people pm is 60-70 eur, Internet + mobile 60 eur, fuel 60 eur, food and expenses related to home 700 eur. These are my numbers for two people. Mortgage is 719.
Are you coming from renting or living with family? It might be a matter of perspective. Having rented for 17 years and now having a mortgage I’m probably about the same month to
month and the money is going into a property the equity of which will ultimately be mine, not in a landlords pocket. So it feels less anxiety inducing.
Emergency fund for fixes in the apartment is important though, prioritise that
That’s pretty accurate. We try to lessen the essentials by changing food brands and not buying too much freezer food. Also we try to limit fuel by taking public transport a bit more where possible.
What did you include in the essential costs of €800?
Saving 750 euros a month is good, this is normal. What’s making you feel so anxious?
If you are earning 25k and managing to save 20% of that after you are also paying a pension fund, then you’re doing pretty fine. It shouldn’t take you too long to build a “rainy day” fund with 6-12 months of salary.
I had a bit of anxiety when I took my loan initially but it settled after a few months. I coped by cutting back on anything which is extra.
The second my paycheck came in, I’d first decide how much of it I was going to save, and then start spending. There were periods where I saved nothing.
Don’t overthink it, Maltese banks will not give you a home loan you can’t afford. The underlying problem is that this only borderline affordable, and no you will not be living some luxurious lifestyle and yes you need to be careful.