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Old 07.11.2015, 22:43
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Need help with forming a basic budget outline

Working on planning our return to CH in a year and need to make up a basic budget. I'm not sure I remember all the things I need to consider - we live pretty simply, so travel/entertainment etc. are not big features.

Thanks for any help.
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Old 07.11.2015, 22:54
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Re: Need help with forming a basic budget outline

Welcome to the Forum.

If you want info on cost of living, there's loads of info here. Here are some threads that I think cover the topic nicely, including links and examples of actual expenses. They are a bit old, but quite comprehensive and worth a look.

Cost of living - help needed to get it right

Cost of living in Switzerland-with examples

There are more than 100 threads that talk about cost of living. Some might be relevant to you and others not, but do have a read through the more recent ones. There's a LOT of good advice in there, you just have to do a little of the leg (er, reading) work yourself:

http://www.englishforum.ch/search2.php?q=cost+of+living
Hopefully you can compare your own current costs and lifestyle using some of this info, and make sure you're on target for your budget.
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Old 08.11.2015, 00:09
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Re: Need help with forming a basic budget outline

is 70000CHF enough for Lugano?
is one of the most recent threads along these lines. And points you to others.
I agree with 3Wishes... it can be quite a lot of work to plough through such threads, but it can be very well worth it as they really do explain things from many perspectives, so you, bit by bit, you can determine what'll be right for you.

And by all means also do ask specific questions you have, as you go along.
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Old 08.11.2015, 01:51
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Re: Need help with forming a basic budget outline

thank you 3Wishes :-)
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Old 08.11.2015, 10:33
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Re: Need help with forming a basic budget outline

Why do you need a budget?

Tom
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Old 08.11.2015, 11:18
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Re: Need help with forming a basic budget outline

Well, myself, I'd say it's not a bad idea. Coming back to a country one lived in earlier, may feel like coming 'back' or coming 'home' but rises in prices can catch one unawares. I remember well when school dinners in England cost 4d per day. Now I see they are 1.50!!!
If you are used to having tax deducted at source (as in England) you might get a horrible surprise if you get a bill sometime for a whole year here in CH. If Health Care was 'free' and you suddenly have to pay monthly... The nasty habit of adding only a very low akonto 'other costs' to the rent, and then sending a large bill for the costs which were not met... I can think of quite a few reasons for asking questions on here and making a budget in advance.
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Old 08.11.2015, 11:31
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Re: Need help with forming a basic budget outline

Prices haven't changed much here over the past 30 years.

Tom
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Old 08.11.2015, 11:36
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Re: Need help with forming a basic budget outline

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Why do you need a budget?
It may seem like a silly question, but when considering a move to Switzerland one should have an idea of common expenses here and how they compare to where the person is currently living. I'd at least weigh up basics such as housing, insurance, child care (if applicable) and transportation.

To be fair, most salaries here in CH are generous enough that folks are not going to wind up paupers. At the same time it's not easy to help someone estimate expenses, as each person/family has personalized spending habits. You might spend more of your disposable income on your motorcycles or other hobbies, and someone else might want to buy new shoes and a handbag every week. Or maybe they want to go skiing every weekend as a student or eat out at least once a week. The list of personal preferences is just about endless.

I used to budget carefully when I was a broke student and I had a notebook where I lined out every expense including pizza. I don't need to do that any more, but I have friends back in the States that still need to budget carefully because their expenses seem to always rise to match the income no matter how much they make.
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Old 08.11.2015, 11:38
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Re: Need help with forming a basic budget outline

I think the rent one must probably pay has gone up quite a bit - simply because there are fewer 'low rent' flats around (many demolished or modernised) and there is even more competition for them.
I agree that prices fortunately haven't gone the way the British ones have, but that's what the lady wants to know.
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Old 08.11.2015, 11:55
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Re: Need help with forming a basic budget outline

Between 1990 and 2014, my rent went up 13%. (1490 to 1690)

The NK more like 100%, however. (200 to 400, mainly heating costs)

Tom
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Old 08.11.2015, 12:28
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Re: Need help with forming a basic budget outline

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Between 1990 and 2014, my rent went up 13%. (1490 to 1690)

The NK more like 100%, however. (200 to 400, mainly heating costs)

Tom
People staying in the same property don't have as much (if any) rent increases.

If you go only by the rent increases you've seen in the same property in the last 25 years or so, then you will not have an realistic picture of the wider rental market.

It also very much depends on where you are looking. Some places have seen a lot of additional rental demand (with corresponding increases in rent), other places less so.
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