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  #141  
Old 08.12.2014, 02:35
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Current savings possibilities: Migros seems to have daily 40-50% sales until Christmas - see here - you can stock up on whatever you need when it's on sale, e.g. last weekend all noodles were 50% off.
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  #142  
Old 08.12.2014, 02:38
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

They're listed on the Aktionis website along with the other main supermarkets

eg http://aktionis.ch/migros
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  #143  
Old 08.12.2014, 11:30
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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They're listed on the Aktionis website along with the other main supermarkets

eg http://aktionis.ch/migros
Brilliant website, I had no idea it existed.

There are so many things to learn (sigh).

Thanks, genius
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  #144  
Old 08.12.2014, 11:37
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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Mind, I do want a new fridge. Preferably one with an ice-cube maker.
I have one with an ice maker and prefer using the good old fashioned ice cube trays. You need to clean it every few months and the water tastes like fridge. I don't see the point of water from the fridge - the tap is 2 paces to the left of it We use the ice comparment for extra storage now.

As for saving money, I have never made a budget and just seem to be a natural saver. I buy things I need when I need them - new phones every 2-3 years when they break and TV and car only every 10-15 years. The car we use only on weekends or where public transport isn't handy.

Time is money - I refuse to go around to different stores to save or go to a store just for a 20% sale on something I don't usually buy. I do look out for sales on things I need - but 50% off something you don't need is waste of money!

Turning my heating off on the way to work did save us 2k Fr last year - so small things can make a big differentce.

What we do spend lots on is holidays

Last edited by CH_Me; 08.12.2014 at 12:24.
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  #145  
Old 08.12.2014, 16:09
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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I did talk to the power company (actually, a neighbour works for the EKZ) and it was their recommendation to unpplug major appliances that have a "stand-by mode" and to wash / dry clothes during the Niederteriff.
Unplugging standby stuff is an easy one.

A further advantage is that you're often too lazy to plug it back in and so end up having a glass of tapwater rather than a coffee which is good for both your wallet and your health.
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  #146  
Old 08.12.2014, 17:32
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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Give up shower-gel. Seriously, just don't buy any more. Switch to solid bars of soap, which are usually cheaper, last a lot longer, and do not leave an empty plastic bottle.

Next, just stop using soap. It may sound incredible, but using just a flannel/washcloth on the skin, with only water, is mostly perfectly adequate to get clean, except perhaps after sweaty exertion (and then mainly only for armpits, or occasionally for feet) or to rid the skin of specific dirt (oil, grease, paint, maybe mud, excretion).

Some people find their skin feels a bit strange during a transition of perhaps a week or three, but I know several people whose skin, since they’ve parted ways with shower-gel and cut their soap usage, is smoother and somehow more at ease. With that, out go the skin-creams or body-lotions, too. Except occasionally on particularly vulnerable spots like elbows or sometimes hands and feet. And we’ve found we now need deodorants less often, too, as long as we do wash, even with just water. And if deo, then an alum crystal (a very economical option which lasts 6 months or more), or a roll-on, but no spray. We’ve ended up wondering how we ever used to believe we needed all those products. Quite a lot less spending and disposal, when added up over the years.

Unfortunately, I’ve yet to find a really comfortable alternative to shampoo, though. I’ve switched completely to an olive-oil soap bar, but my scalp, though improved, is not quite convinced. Anyone have any suggestions on low-product hair care, please?

And about hair: it’s possible to save a lot of money by giving up going to the hairdresser. Let your hair grow long, or cut it yourself (buy and mount the appropriate mirrors so you can see the back of your head). One family I know, whose income dropped suddenly, paid a hairdresser to come over and teach everyone in the family how to cut everyone else’s hair.

Elastic hair-ties (for a pony-tail or a bun) are amazingly pricey. Some socks have unnecessarily tightly knit cuffs. I cut off the sock cuffs, and no, the socks don’t unravel. The cuffs make excellent, strong hair-ties, (and chunky elastic bands for all sorts of other purposes) and it’s fun to have ties and socks colour coordinated.
Good advice but for me cosmetics, perfumes etc would be among the last things to give up or make any adjustments.

Anyways, for your hair, if you want cheap(er) and more natural stuff, apparently nothing is better than homemade soap and a few drops (or more) of vinegar for rinsing.
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  #147  
Old 08.12.2014, 19:10
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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Unplugging standby stuff is an easy one.

A further advantage is that you're often too lazy to plug it back in and so end up having a glass of tapwater rather than a coffee which is good for both your wallet and your health.
So when is Niedertariffe for electricity? I have noticed the price difference, but could not find when it is...
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  #148  
Old 09.12.2014, 12:44
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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So when is Niedertariffe for electricity? I have noticed the price difference, but could not find when it is...
I'd say it depends on your electricity provider/commune - not all of them differentiate between Nieder- and Normaltarif.
Zürich seems to have a Niedertarif - see here.

Not impressed by the sales I referred to further up - here's the list of the sales until xmas (and no, I'm not affiliated with Migros) - there aren't daily 50% sales. But by shopping carefully I am intending to replace kitchenware etc. all at half price - glasses, plates, silverware, pots and pans. Saves tons of money (if you need kitchenware, that is). Plates were on sale last Saturday, pots etc. and glasses will be on sale until the 15th, titanium pans on the 13th, silverware and knives on the 18th.
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  #149  
Old 09.12.2014, 18:04
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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I'd say it depends on your electricity provider/commune - not all of them differentiate between Nieder- and Normaltarif.
Zürich seems to have a Niedertarif - see here.

Not impressed by the sales I referred to further up - here's the list of the sales until xmas (and no, I'm not affiliated with Migros) - there aren't daily 50% sales. But by shopping carefully I am intending to replace kitchenware etc. all at half price - glasses, plates, silverware, pots and pans. Saves tons of money (if you need kitchenware, that is). Plates were on sale last Saturday, pots etc. and glasses will be on sale until the 15th, titanium pans on the 13th, silverware and knives on the 18th.
Thanks

I was also not very impressed with Migros sales, like the coop daily ones better so far.

But Migros also has weekend sales that are not known in advance (public from Wednesday or Thrusday if I remember correctly). Last weekend all baby, children clothes, including underwear were 40% off.
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  #150  
Old 11.12.2014, 12:22
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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I am not sure if this has already been mentioned here - if possible, shop for medicines across the border.
But, will the insurance take the invoice of medicines bought abrouad?
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  #151  
Old 11.12.2014, 23:09
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

thank you very much guys, this thread is great!
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  #152  
Old 12.12.2014, 00:10
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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thank you very much guys, this thread is great!
hehe you're welcome
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  #153  
Old 12.12.2014, 00:13
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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But, will the insurance take the invoice of medicines bought abrouad?
Nope- we tried.
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  #154  
Old 14.12.2014, 21:51
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Hi
Apply for the Cumulus card by Migros. You earn points for every purchase.
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  #155  
Old 14.12.2014, 21:55
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

to buy used furniture, toys etc. check www.olx.ch
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  #156  
Old 15.12.2014, 13:37
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

After moving here with only 2 suitcases filled with some clothes we had to be creative in furnishing our house. My husband built an awesome table and bench out of used pallets that we got for free from our neighbors. It seats 16 people!
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  #157  
Old 17.03.2015, 18:44
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

If you need your kitchen stocked up, go to Migros - glasses, silverware, china tableware, a brand of pots and the whole range of plastic storage containers is 50% off at the moment.
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  #158  
Old 10.04.2015, 22:54
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

If you're into soups/veggie dishes etc. and regularly need large batches of sauces - buy a food processor (on sale) or get one for free from a friend
If you get lucky, you can find one for less than the cost of a hand held blender.

Saves money on
  • soups - toss cheap veggies in and you've got a healthy meal
  • chocolate cubes - found for CHF 2.60 per 160g packet in Migros. CHF 2.40 worth of M-Budget dark chocolate yields 400g chocolate chunks
  • tomato sauce - found for CHF 2.something in Migros for a 700ml bottle - spending less (CHF 1.80) on M-Budget tinned tomatoes yields 1.8l tomato sauce.
  • smoothies - for 25cl of a Coop smoothie you can buy around a kg of fruits (or more if they're on sale) which should yield much more smoothie deliciousness at the same price.
  • Also saves cost for individual electronic kitchen supplies - hand held blender, onion chopper, mixing bowl - as well as space in your kitchen cupboards if you don't have the individual items yet.
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  #159  
Old 11.04.2015, 10:58
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

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After moving here with only 2 suitcases filled with some clothes we had to be creative in furnishing our house. My husband built an awesome table and bench out of used pallets that we got for free from our neighbors. It seats 16 people!
Wow, how nice. We recently changed our cheap Ikea glass/metal table but I didn't let my OH to exercise his creativity (he proposed the same solution)...We ordered a nice wooden table in Germany instead...I feel guilty now.
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  #160  
Old 11.04.2015, 17:59
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Re: How to live comfortably in CH on less than 120k - EF savings advice thread

Ok so some of these tips are just common sense, but I'll post them anyway Apologies if any tips have already been mentioned.

Groceries
- Buy at Lidl and Aldi. Often, the best and cheapest products (according to K-Tipp) are found there.
- Don't buy foreign foods at Migros or Coop. You will end up paying three times more than if you go to ethnic food stores.
- For organic and vegan food and special eating needs (allergies and such), try the new(ish) Alnatura brand from Migros, which is pretty cheap.

Transport
- If your employer offers Reka Checks, get them! Usually, the employer pays 20% of the total price, so you can save quite a lot. Reka checks can be used for public transport, activities, petrol/gas and more. Check the website for details.
- If you only rarely drive, consider Mobiliy car sharing.

Phone
- Everyone knows Swiss phone rates are overpriced, so compare different mobile plans/subscriptions to find the one that suits you best or use prepaid if you don't use your phone much at all.
--> Here is a PDF (in German) with various prepaid providers from K-Tipp: https://www.ktipp.ch/document/?no_ca...43&attr=zusatz
It's from 2013, but I think the order remains the same as a chart from 2014.
- Use Skype or whatever is free for foreign calls.

Entertainment/free time
- If you don't watch much TV, consider streaming, instead of buying a TV and paying for TV bills (streaming is legal in Switzerland, uploading through torrents however, is not!)
- If you feel like eating out, opt for lunch instead of dinner. Obviously cheaper lunch specials.

Shopping
- Register for those bonus cards (for example Cumulus, Coop Superpunkte, Ex Libris Clubcard, Ikea Family Card) for discounts and special offers.
- Invest in the right places. Spend 150.- for a good pair of winter boots which will last 3 years, instead of finding out that that cheap pair isn't snow proof or buying a new pair every year.
- ALWAYS keep guarantee papers!

Other
- This depends on your residence permit, but if your employer pays your accident insurance ('Unfallversicherung', sometimes also 'Nichtunfallversicherung'), you can remove that from your normal insurance.
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