Go Back   English Forum Switzerland > Living in Switzerland > Daily life
Reply
 
Thread Tools Display Modes
  #21  
Old 18.01.2014, 22:54
Forum Legend
 
Join Date: Feb 2012
Location: here
Posts: 3,534
Groaned at 51 Times in 42 Posts
Thanked 3,548 Times in 1,804 Posts
glowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond reputeglowjupiter has a reputation beyond repute
Quote:
View Post
Big savings can be made by going to Lidl. I get almost everything there, the Lidl biscuits might taste slightly
different to Coop Kambly biscuits but they are half the price, every day http://www.lidl.ch/cps/rde/www_lidl_ch

Aldi sell excellent wines and olive oils, half the Coop price https://www.aldi-suisse.ch/

Go to Müller for cleaning and hygienic materials: much cheaper and usually better than Coop products
http://www.mueller.ch/startseite.html

Insurance, subscriptions, club memberships: these are usually for a fixed period with an automatic renewal clause.
The date to cancel is often 2 months before the end of the contract. Make sure you cancel early enough by registered letter.

Drive carefully! The fines are horrendous, and losing your license is easy...

Before buying anything expensive, check here: http://en.toppreise.ch/index.php?search=Best+Price
Müller and DM in Germany (for cosmetics, cleaning supplies, hygienic materials) are even cheaper than the Swiss Müller

Quote:
View Post
oo but are they lk proof ? nothing like some old veg scrap juice in your backpack to put you off taking stuff to the depot.
the ones that are leak proof have a "100% dicht" sign on them.

Last edited by glowjupiter; 23.12.2015 at 22:20.
Reply With Quote
  #22  
Old 18.01.2014, 23:15
CathHarmony's Avatar
Forum Veteran
 
Join Date: Aug 2010
Location: Best City, Greatest Nation
Posts: 1,303
Groaned at 194 Times in 107 Posts
Thanked 1,073 Times in 592 Posts
CathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

i read this on the forum recently and thought what a good idea.

do a 3 month supply or so on-line shop at migros (coop is more expensive in my opinion) for things you know you use all the time, don't get carried away and buy things you want though!

In general saves the aggravation/time of shopping and lugging 24 rolls of toilet paper home every week for example and then you just have to go every week for fresh fruit veg milk which is also less of a hassle to carry home.

the first time you do this you get a 30 chf discount (valid till 31-jan-14),
transport fees on spending 200chf is about 8chf

migros le shop

30 chf first order discount code valid till 31Jan2014

ps their online shop also has access to denner which sells alcohol (whereas migros stores proper don't) so that can also be included in the delivery, if you don't shop online you have to walk over to denner and shop there too (not a highly recommended shopping experience in my opinion even if their alcohol is sometimes heavily on sale)
Reply With Quote
The following 2 users would like to thank CathHarmony for this useful post:
  #23  
Old 18.01.2014, 23:22
Sandgrounder's Avatar
Forum Legend
 
Join Date: Jul 2007
Location: ZH
Posts: 9,687
Groaned at 73 Times in 66 Posts
Thanked 14,744 Times in 5,752 Posts
Sandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
In general saves the aggravation/time of shopping and lugging 24 rolls of toilet paper home every week for example
Top money saving tip - limit curry intake to once a week...

Reply With Quote
The following 5 users would like to thank Sandgrounder for this useful post:
  #24  
Old 18.01.2014, 23:22
CathHarmony's Avatar
Forum Veteran
 
Join Date: Aug 2010
Location: Best City, Greatest Nation
Posts: 1,303
Groaned at 194 Times in 107 Posts
Thanked 1,073 Times in 592 Posts
CathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
the ones that are leak proof have a "100% dicht" sign on them.
can you show me a pic? i trawled around migros the week before and did not see anything and on line they only have a green one that looked a bit iffy on the leak front.

kitchen waste container
Reply With Quote
  #25  
Old 18.01.2014, 23:29
CathHarmony's Avatar
Forum Veteran
 
Join Date: Aug 2010
Location: Best City, Greatest Nation
Posts: 1,303
Groaned at 194 Times in 107 Posts
Thanked 1,073 Times in 592 Posts
CathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond reputeCathHarmony has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
Top money saving tip - limit curry intake to once a week...

hehe i was looking at the price of spices yesterday and was transported back to the middle ages! the price can be surprisingly high in the 100chf per kilo range

they want outoftheirfreakingminds 90,000 chf per kilo for saffron…

spices
Reply With Quote
  #26  
Old 19.01.2014, 00:26
simonminissale's Avatar
Forum Veteran
 
Join Date: Nov 2007
Location: Ammerswill
Posts: 783
Groaned at 11 Times in 9 Posts
Thanked 804 Times in 337 Posts
simonminissale has a reputation beyond reputesimonminissale has a reputation beyond reputesimonminissale has a reputation beyond reputesimonminissale has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

The stuff that is 130k a kilo has to be much better,
Reply With Quote
The following 2 users would like to thank simonminissale for this useful post:
  #27  
Old 19.01.2014, 00:39
marton's Avatar
Forum Legend
 
Join Date: May 2008
Location: Zürich
Posts: 7,520
Groaned at 164 Times in 139 Posts
Thanked 8,541 Times in 4,679 Posts
marton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
Dispose of your household refuse, on a daily basis, by utilising local and neighbours' waste bins, unlocked containers and Robidog bins.
One of my colleagues (a Norwegian guy) put some small amount of waste in a neighbours bag on bag collection day when his bag was full.
The neighbour called the police who came to our office, took him away & fingerprinted him


Luckily he did not get a fine because after they checked his prints they found he was not a habitual criminal.
Reply With Quote
The following 2 users would like to thank marton for this useful post:
  #28  
Old 19.01.2014, 02:04
Junior Member
 
Join Date: Sep 2013
Location: Enge
Posts: 97
Groaned at 16 Times in 15 Posts
Thanked 138 Times in 46 Posts
SwissMiss86 has earned some respectSwissMiss86 has earned some respect
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

I shop at Aldi and am very happy with their offerings. Last week they had bio almond milk on special, 1.99 same size at Coop cost 3.65.

I am almost always finding 50% off eggs, milk, meats, breads, and desserts at Coop. Shop about an hour before the store closes.

Meal planning saves a good amount of money as does always bringing snacks and such with you when you are out. Wash and/or cut fruit and veg as soon as you bring home so theyre always ready to be consumed. I have found this to lead to less waste.

I utilize the many facebook pages that operate as sales sites for individuals looking to buy and sell specific items in Zurich as well as the EF forum.

Don't forget to check out your nearest Brocki. I have had great luck when shopping at them.

If in the market for sporting goods there are a couple of Ochsner outlets with very reasonable prices.

There is a Globus outlet in Dietlikon that offers clothing, kitchen appliances, accessories, etc for affordable prices.

In my experiene, when looking for small appliances, Fust is the way to go. I have purchased items at Fust that I saw at Media Markt and Interdiscount for $10-$20chf higher.

If you are able, try to shop in Konstanz. I used to go every weekend but I am now trying to keep my money in Switzerland.

For things to do and culture, there are many free museums, organized walks, group activities on meetup.com, etc.

For kids the playgrounds are free and some of the Coop and Migros restaurants have indoor play areas.
Reply With Quote
The following 4 users would like to thank SwissMiss86 for this useful post:
  #29  
Old 19.01.2014, 02:14
Forum Veteran
 
Join Date: Nov 2011
Location: Zurich
Posts: 559
Groaned at 12 Times in 10 Posts
Thanked 193 Times in 135 Posts
minimimi is considered knowledgeableminimimi is considered knowledgeableminimimi is considered knowledgeable
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Gym: If you are a university graduate in Zurich (from anywhere) get ASVZ membership for 300fr/year. They have good equipment and you can go to ay of their many locations with the same membership.

As mentioned, Mueller and Denner for hygiene stuff, especially on sales.

For Zh: Outlets in Dietlikon have nice stuff, especially Globus. From reduced cookware, electronics, towels, toys, .... clothes. They have even from time to time Billerbeck entire assortment (including catalog items) on 30% off. I have trouble understanding people who shop in non-sale period
Reply With Quote
This user would like to thank minimimi for this useful post:
  #30  
Old 19.01.2014, 02:42
lost_inbroad's Avatar
Unbridled Mod
 
Join Date: Dec 2009
Location: KY
Posts: 9,960
Groaned at 563 Times in 363 Posts
Thanked 12,584 Times in 5,011 Posts
lost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond reputelost_inbroad has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

If you're in need of books, try out the bücher brokki near you...
Reply With Quote
This user would like to thank lost_inbroad for this useful post:
  #31  
Old 19.01.2014, 03:18
Forum Veteran
 
Join Date: Nov 2011
Location: Zurich
Posts: 559
Groaned at 12 Times in 10 Posts
Thanked 193 Times in 135 Posts
minimimi is considered knowledgeableminimimi is considered knowledgeableminimimi is considered knowledgeable
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
One of my colleagues (a Norwegian guy) put some small amount of waste in a neighbours bag on bag collection day when his bag was full.
The neighbour called the police who came to our office, took him away & fingerprinted him


Luckily he did not get a fine because after they checked his prints they found he was not a habitual criminal.
Really? This is just ridiculous and waste of police time. When an acquaintance of mine reported her stolen wallet in police they said they don't have time to deal with it as there is more serious crime going on in the city... :S
Reply With Quote
This user would like to thank minimimi for this useful post:
  #32  
Old 19.01.2014, 06:31
Karl's Avatar
Forum Veteran
 
Join Date: Sep 2008
Location: Here
Posts: 1,710
Groaned at 173 Times in 77 Posts
Thanked 2,485 Times in 804 Posts
Karl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond reputeKarl has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Never take more than 100CHF out of the ATM at a time.
Reply With Quote
  #33  
Old 19.01.2014, 07:21
Forum Veteran
 
Join Date: Aug 2009
Location: Bern
Posts: 1,421
Groaned at 51 Times in 39 Posts
Thanked 1,742 Times in 719 Posts
simplon has a reputation beyond reputesimplon has a reputation beyond reputesimplon has a reputation beyond reputesimplon has a reputation beyond reputesimplon has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

We must do something wrong. We live very comfortably with less than 100'000 gros a year without being stingy. We shop mostly at the markets (never in France or Germany, which would be too much of hassle and rather time consuming) have our daily glas of wine, a car, a house, go abroad for aholiday at least twice year and save money. If you do all the crazy things mentioned in the post you should have thousands left at the end of the year, unless you have six children, of course).
Reply With Quote
The following 8 users would like to thank simplon for this useful post:
  #34  
Old 19.01.2014, 10:02
Forum Legend
 
Join Date: Sep 2006
Location: SZ
Posts: 7,617
Groaned at 18 Times in 17 Posts
Thanked 15,925 Times in 5,232 Posts
meloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond reputemeloncollie has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
Really? This is just ridiculous and waste of police time. When an acquaintance of mine reported her stolen wallet in police they said they don't have time to deal with it as there is more serious crime going on in the city... :S
Ah, but infractions against the GarbageGesetz are among the most serious of crimes!



Here is the official list of crimes deemed serious enough to warrant action from our local Polizei:

- Speeding (capital offense)
- Barking (capital offense)
- All other noise (capital offense during quiet hours, downgraded to misdemeanor at other times. Unless Schlager music is involved, in which case all is forgiven)
- Incorrect garbage/recycling (venial sin)
- Offenses against the Geranium Act of 1972 (exile beyond the Pale)


Reply With Quote
The following 10 users would like to thank meloncollie for this useful post:
  #35  
Old 19.01.2014, 10:21
Susan57's Avatar
Forum Veteran
 
Join Date: Sep 2009
Location: Kilchberg ZH
Posts: 884
Groaned at 23 Times in 8 Posts
Thanked 1,164 Times in 442 Posts
Susan57 has a reputation beyond reputeSusan57 has a reputation beyond reputeSusan57 has a reputation beyond reputeSusan57 has a reputation beyond reputeSusan57 has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
We must do something wrong. We live very comfortably with less than 100'000 gros a year without being stingy. We shop mostly at the markets (never in France or Germany, which would be too much of hassle and rather time consuming) have our daily glas of wine, a car, a house, go abroad for aholiday at least twice year and save money. If you do all the crazy things mentioned in the post you should have thousands left at the end of the year, unless you have six children, of course).
Dear Simplon,
How about leading a "how to" seminar? I'd be glad to host it!
Reply With Quote
This user would like to thank Susan57 for this useful post:
  #36  
Old 19.01.2014, 10:27
Sandgrounder's Avatar
Forum Legend
 
Join Date: Jul 2007
Location: ZH
Posts: 9,687
Groaned at 73 Times in 66 Posts
Thanked 14,744 Times in 5,752 Posts
Sandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
We must do something wrong. We live very comfortably with less than 100'000 gros a year without being stingy. We shop mostly at the markets (never in France or Germany, which would be too much of hassle and rather time consuming) have our daily glas of wine, a car, a house, go abroad for aholiday at least twice year and save money. If you do all the crazy things mentioned in the post you should have thousands left at the end of the year, unless you have six children, of course).
Quote:
View Post
Dear Simplon,
How about leading a "how to" seminar? I'd be glad to host it!
Our income is pretty good now but early on I think I just got into the habit of being a student on an impossible budget then moving to Switzerland without a job to be with my husband who was fresh out of Uni as a low paid graduate. We lived in a WG and had just under 5000.- to live on each month for the first couple of years.

My money saving ways and bargain hunting skills have never left me.
Reply With Quote
This user would like to thank Sandgrounder for this useful post:
  #37  
Old 19.01.2014, 10:33
ipoddle's Avatar
Forum Veteran
 
Join Date: Jan 2008
Location: basel
Posts: 752
Groaned at 20 Times in 13 Posts
Thanked 615 Times in 269 Posts
ipoddle has earned the respect of manyipoddle has earned the respect of manyipoddle has earned the respect of many
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

It's pretty simple to live frugally.. just don't put yourself in a position where you have to pay someone to do something for you.

Hence.. don't own a place that needs 'doing up'.. don't own a car.. don't go to restaurants.. don't have kids...don't have pets..... and don't have a long term, no-income partner for those 'special cuddles'
Reply With Quote
The following 2 users would like to thank ipoddle for this useful post:
  #38  
Old 19.01.2014, 11:01
M_McPoyle's Avatar
Senior Member
 
Join Date: Nov 2011
Location: ZG
Posts: 343
Groaned at 4 Times in 3 Posts
Thanked 1,138 Times in 283 Posts
M_McPoyle has a reputation beyond reputeM_McPoyle has a reputation beyond reputeM_McPoyle has a reputation beyond reputeM_McPoyle has a reputation beyond reputeM_McPoyle has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

We save WAY more living in CH for the simple reason that things DO cost more more and the attitudes towards consumption are so different than in North America:
  • We eat out and order in hardly ever because we cannot bring ourselves to pay 60 CHF for a quick Friday night asian food fix.
  • Ditto to the above with other services: Dry cleaning, getting my nails done, cleaning services, Tri-monthly colour touch ups for my hair, endless "activities" for the kids. They are expensive and we find, happily, we don't need em' (not nearly as much, anyway)
  • Shopping used to be a pastime. Now we limit our casual shopping trips out as we know that quality goods are going to set us back mightily. Instead, we wait until we actually need things, then shop around carefully before buying.
  • We have significantly lessened our once extravagant meat (especially beef), poultry and fish intake. Through meal planning and expanding my recipe base, we now use these expensive ingredients as the "sides" versus the daily main event. Not missing it and it is a healthier way to go in the long run.
  • It is perfectly acceptable, even laudable here to take public transit, bike or walk (in California people gasped when they found out I was bussing it while pregnant). We do have a car but end up using it maybe 2 or 3 times per week.
  • There is less expectation of extravagance while entertaining here. While hosting a cheese fondue for friends here, my mother in law was horrified at the simplicity (and lack of meat) of the meal for our guests. Here, people seem to simply relax and enjoy the companionship - the food, booze, and "ambiance" are secondary.
  • Last but certainly not least, I feel almost no pressure to keep up with the Joneses here. Nobody seems to car what we drive, where or what we live in, what we wear, what we have, where we go on vacation or if our kids are showcased like little royals. What a relief. I never much cared about these things but one cannot help but get caught up in it if they are surrounded by it...

Last edited by M_McPoyle; 19.01.2014 at 13:17.
Reply With Quote
  #39  
Old 19.01.2014, 11:03
Susan57's Avatar
Forum Veteran
 
Join Date: Sep 2009
Location: Kilchberg ZH
Posts: 884
Groaned at 23 Times in 8 Posts
Thanked 1,164 Times in 442 Posts
Susan57 has a reputation beyond reputeSusan57 has a reputation beyond reputeSusan57 has a reputation beyond reputeSusan57 has a reputation beyond reputeSusan57 has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
It's pretty simple to live frugally.. just don't put yourself in a position where you have to pay someone to do something for you.

Hence.. don't own a place that needs 'doing up'.. don't own a car.. don't go to restaurants.. don't have kids...don't have pets..... and don't have a long term, no-income partner for those 'special cuddles'

Wow! What a sad life. I am so glad my husband never considered these factors before he married me, bought a house, had three kids and BIG doggie. It seems to be a trend nowadays, to only think of oneself!
Reply With Quote
The following 3 users would like to thank Susan57 for this useful post:
  #40  
Old 19.01.2014, 11:15
Mark75's Avatar
Forum Veteran
 
Join Date: Apr 2007
Location: by the lake (either one)
Posts: 2,409
Groaned at 44 Times in 38 Posts
Thanked 2,897 Times in 1,267 Posts
Mark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond repute
Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Quote:
View Post
Gym: If you are a university graduate in Zurich (from anywhere) get ASVZ membership for 300fr/year.
That's only for the first year if you get the membership within 6 months of graduation. Otherwise it's CHF 500/year. (Still a good deal by Swiss standards - but often very crowded)

Last edited by Mark75; 19.01.2014 at 12:38.
Reply With Quote
This user would like to thank Mark75 for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
How many on EF earn less than 4000[per month]? Odile Daily life 162 26.03.2013 16:14
Moving to Switzerland from USA - Advice needed on how to transfer money in savings rage30 Finance/banking/taxation 4 13.02.2012 22:58
Amazingly, you can live comfortably in Zurich on a 6-figure income atwzurich Daily life 0 09.10.2011 19:43
You can't live on less than 70 000 in Switzerland? Dougal's Breakfast Daily life 135 15.02.2011 15:39
Tax to get car into CH on car owned for less than 6-months NWCLass Transportation/driving 1 29.04.2009 00:04


All times are GMT +2. The time now is 12:39.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0