I live in the middle of nowhere in Northern Germany. A house where you wont have to tear down the whole place starts at 400k. And that's a basic small sub 100m^2 house with no garden.
Sorry but I wont get myself into 40 year debt for a bungalow.
After my father's death we sold our old family home for ~70k€ 15 years ago. It would have been in the 300-400k range nowadays. My salary certainly did not double - triple in that time frame.
Ill fly to Japan next year. First foreign country vacation in 14 years. Estimated costs 3-4k. I go to concerts every few months so I spend a few hundred bucks there. Other than that most of my money goes into rent and food. I have some somewhat expensive contracts though. 50€ phone, 50€ internet.
Going out is living life though, I wont reduce my quality of life for decades just so I can afford a house.
But in short, I do barely spend money on vacations.
You are certainly not the type I am referring to. Even if you cut all that, will not help a lot.
Anayway my story: never ever sid vacation abroad.Vacation outside my home only every 2 or 3 years. Never eat out. I have no idea how is it to go to a concert. No expensive hobbies. When I was 40 all of that provided 40k for a down payment.
I can manage to save 500-1000€ per month. For me the biggest issue is just the general pricing. Maybe its emotional too, but I have fond memories of my family house when I was a kid and I dont want to buy comparatively a bungalow for quadruple the price.
A flat is barely worth it given you still have to bother with neighbors. Those are also 6 digit numbers up here. Not happening. I want a home like my parents used to have. Regular old German refugee home with a nice garden, 3-4 rooms, 2 levels, 2 bathrooms, small cellar. Sounds big, was a rather small house though. Garden had space and a shed to work in. We sold that for 70k 15 years ago and I wont buy a flat for 130k where I possibly have to bother with noisy neighbors.
Sorry but I wont get myself into 40 year debt for a bungalow.
After my father's death we sold our old family home for ~70k€ 15 years ago. It would have been in the 300-400k range nowadays. My salary certainly did not double - triple in that time frame.