Petitemom's post is absolutely excellent, but a few minor clarifications:
Most so-called Kreditkarten, as she mentioned, are automatically paid in full at the end of the month, but this makes them charge cards, I believe, not credit cards. However, we have a 'proper' credit card from one of the leading international CC companies which functions exactly like the British model, except that we never have to give in a PIN (even in the UK).
Life can be very different in large cities like Berlin. Here most mothers do work, some of them even full time . Most nurseries are open until 3pm or later (although almost none are open until 6) so it's easier to get at least part-time work. All schools in Berlin are now half-day schools, so DC are looked after until 1pm, and many are Ganztagsschulen, which go from 8am to 4pm every day. Many shops are open 6 days a week until 6.30 pm or 8pm, some even until midnight. Limited Sunday opening is permitted for 14 weeks each year. Berlin also is extremely multicultural, so you wouldn't have the same racist-through-ignorance attitude you get out in the boonies in small villages. And while we couldn't get away with mowing the lawn on Sunday, nobody cares if we hang out washing - that's regarded as a Swiss degree of neuroticism.
On the down side, Berliners have a quite startlingly laid-back attitude to dog shit on pavements. Actually, Berliners have a real thing about deliberately debunking a lot of the German stereotypes, but only half manage it - so they'll let their own dog shit on the pavement but then shout at you across the street for riding a bike with supposedly insufficient lighting.