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  #21  
Old 03.02.2016, 14:37
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Re: Budget - Please Help me fill the blanks

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Would be common to bring food to work?
No, most people that I know go home for lunch.

I, on the other hand, go motorcycling and don't eat lunch.

Tom
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  #22  
Old 03.02.2016, 14:41
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Re: Budget - Please Help me fill the blanks

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Don't forget also the household insurance costs, banking costs and perhaps some language courses. I'd budget another 3000 CHF for these.
All of those are optional, my yearly costs for that is less than CHF 300, not CHF 3000!

Tom
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Old 03.02.2016, 21:44
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Re: Budget - Please Help me fill the blanks

Here are the top 7 results returned when I searched for "cost of living" - all of them were bumped at least once in 2015. Happy reading!

Salary/ Cost of Living Advice (6) 30.Dec.2015
cost of living (23) 15.Dec.2015
Cost of living for a family of 4 (15) 16.Nov.2015
Living costs in Lugano without rent/food (4) 2.Nov.2015
Cost of living - Winterthur near Zurich (35) 4.Sep.2015
London to Geneva (cost of living) (24) 2.Aug.2015
living cost in switzerland (33) 25.May.2015
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  #24  
Old 03.02.2016, 22:27
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Re: Budget - Please Help me fill the blanks

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Gym would be inportant when is cold, like now. i just arrived from
the gym. outside is around 3 degrees and I am not planning getting sick.
I'll let you into a secret - going out into the cold doesn't make you sick.

Most of the Swiss spend a lot of time in the winter, outside in the cold exercising - it's called skiing - and they're not all sick.
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Old 03.02.2016, 22:37
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Re: Budget - Please Help me fill the blanks

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and they're not all sick.
Depends if you is a yoof, innit? Some of them is well sick, yano.
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Old 03.02.2016, 22:54
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Re: Budget - Please Help me fill the blanks

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Hi thanks a lot!
Are these prices dor Zurich or Basel?

Why did you mention shopping outside is not worthy? how much could I save? Gym would be inportant when is cold, like now. i just arrived from
the gym. outside is around 3 degrees and I am not planning getting sick.
Gym is a luxury and not even necessary to budget for, absolutely easy to exercise in the outdoors all year
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Old 03.02.2016, 23:33
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Re: Budget - Please Help me fill the blanks

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Gym is a luxury and not even necessary to budget for, absolutely easy to exercise in the outdoors all year
We just got us two sets of resistance bands for EUR10 each. Combined with exercising outdoors you will save yourself lots of money and get in shape all the same
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Old 04.02.2016, 00:37
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Re: Budget - Please Help me fill the blanks

Moot point. A mute point would be a silent one.

Kalos, have you got a job offer here or is all of this hypothetical? And why the obsession with the weather? As long as you dress appropriately on colder days - layers, fleeces, waterproofs etc - you and your family would be fine. Basel isn't as windy as Dublin, if my memory serves!
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Old 04.02.2016, 00:43
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Moot point. A mute point would be a silent one.

Kalos, have you got a job offer here or is all of this hypothetical? And why the obsession with the weather? As long as you dress appropriately on colder days - layers, fleeces, waterproofs etc - you and your family would be fine. Basel isn't as windy as Dublin, if my memory serves!
I am originally from Brazil and also lived in Portugal so I feel like the weather here could be better. I miss the sun. I dont like when is too hot either.

If its cold but there is sun its fine but here is always so cloudy.
I just want to make sure that there the weather is not worst than here.

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Moot point. A mute point would be a silent one.

Kalos, have you got a job offer here or is all of this hypothetical? And why the obsession with the weather? As long as you dress appropriately on colder days - layers, fleeces, waterproofs etc - you and your family would be fine. Basel isn't as windy as Dublin, if my memory serves!
No job offers yet. I fisrt want to make sure I am planning to relocate to the right place and then I'll start searching for jobs. I've seen many jobs for my area so I think it will be fine.

Before start applying I want to learn some german as it is required sometimes, even as a secondary language.

When we moved to Dublin we rushed a bit and this time I am less rushed. I am trying to do a much more in-depth research, opposed to what I did when coming to Ireland. Not that it was bad, but I want to make sure I am doing the right thing. I have a good job here with a good salary, above the average and I want to have a more confortable life in CH if possible. At the moment I'm trying to asses exaclty if I can accomplish it. I want to move to CH and have bigger monthly disposable so It will take some time to
assess properly and to find a good job, one that is worthy the relocation.

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No job offers yet. I fisrt want to make sure I am planning to relocate to the right place and then I'll start searching for jobs. I've seen many jobs for my area so I think it will be fine.

Before start applying I want to learn some german as it is required sometimes, even as a secondary language.

When we moved to Dublin we rushed a bit and this time I am less rushed. I am trying to do a much more in-depth research, opposed to what I did when coming to Ireland. Not that it was bad, but I want to make sure I am doing the right thing. I have a good job here with a good salary, above the average and I want to have a more confortable life in CH if possible. At the moment I'm trying to asses exaclty if I can accomplish it. I want to move to CH and have bigger monthly disposable so It will take some time to
assess properly and to find a good job, one that is worthy the relocation.
When we moved to Ireland we knew we could end up moving to another country but this time the idea is to settle somewhere for good. So it has to be carefully planned and all pros and cons have to be weighted.

Last edited by 3Wishes; 04.02.2016 at 08:24. Reason: merging consecutive replies; try the multi-quote button (to the right of Quote). ;)
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  #30  
Old 04.02.2016, 08:04
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Re: Budget - Please Help me fill the blanks

I understand your careful planning - maybe, however, it would be worth at least visiting the parts of Switzerland that you are interested in.


If you have a good job in Dublin and your family is settled and you already speak English.... Higher wages here do not necessarily mean more disposable income - there are just more things to spend that income on and they can be a lot more expensive, particularly when you have children. Health insurance for a family will be several hundred CHF per month - not per year.


You've got all of this info - and more - on various links etc. I don't think that chasing more sun is a reason to move long term , but that's just me and my opinion.


Good luck, whatever you decide to do.
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  #31  
Old 04.02.2016, 08:31
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Re: Budget - Please Help me fill the blanks

If moving here permanent is your desire there is alot more then cost to consider. Switzerland is a very different consideration to Ireland and many things simply will not be assessanle without living here,even with a good salary it still can be a challenge.
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  #32  
Old 04.02.2016, 09:03
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Re: Budget - Please Help me fill the blanks

If you live in Basel and one of you stays at home, you can easily get you grocery done in Germany. You'll save a lot of money doing so and weekdays is quiet.

You can go around without line up and traffic jam.
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  #33  
Old 04.02.2016, 09:09
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There are a few reasons (but not all):

1 - Health Care (we don't like Irish health care system)
2 - Monthly disposable here isn't great (Im trying to see if it would be better in CH)
3 - Weather here is bad, always cloudy and the days you see the Sun are very few (I trying to see if it would be better in CH)
4 - CH is much better located. We would like to travel a bit more without having to spend too much. Ireland is an island.
5 - Learning german is not a bad idea
6 - We don't want to settle here in Ireland and we think CH could be a good place to do so.
7 - We like tidiness

I think before we move we will spend a few days there to see how things are.
According to some websites the disposable in CH is higher than in Dublin. Will See.

I will update the thread soon with our budget and from there things will be more realistic.
For us the number 4 is a very good one. Within a radius of 1000km you have loads to visit.
Considering we are from Brazil 1000km is nothing. But many nice places arr even 500km so this really motivate us.

Last edited by 3Wishes; 04.02.2016 at 21:51. Reason: merging consecutive replies
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  #34  
Old 04.02.2016, 09:36
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Re: Budget - Please Help me fill the blanks

Understand that Switzerland is not part of the EU so you can't just move here as you would to another EU country. Your residency status in the EU means nothing here and you'd come under the non-EU hiring criteria I posted the link for earlier. That means an employer has to prove they can't find a Swiss/EU national who could do the job before they'd be allowed to hire you.
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  #35  
Old 04.02.2016, 09:38
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Re: Budget - Please Help me fill the blanks

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Considering we are from Brazil 1000km is nothing. But many nice places arr even 500km so this really motivate us.
Do only have Brazilian citizenship? Or do you also have EU citizenship?

If you are non-EU you will find it much much harder to fin work in Switzerland without a highly desirable specialist skill.
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  #36  
Old 04.02.2016, 10:39
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Re: Budget - Please Help me fill the blanks

Instead of worrying over detailed line items (ski equipment vs gym membership) in an imaginary budget for a country you've never been to, look at the big picture: how much income do most Swiss households like yours have?

Switzerland is like Ireland: most people are not exactly living in luxury, but nor are they counting their pennies to buy food - so if you make around the median income (and have median-ish tastes and hobbies) you should be more or less fine. Details can be fine-tuned later.

The figure of 120k gross which someone mentioned above is right around the median household income for families with 1-2 kids.

However, note that it's about the 90th percentile for personal income, i.e. households earning that much overwhelmingly tend to have two people working. (Which in turn means that they are spending a pretty big chunk of it on childcare for those first few years....)
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  #37  
Old 05.02.2016, 00:51
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Do only have Brazilian citizenship? Or do you also have EU citizenship?

If you are non-EU you will find it much much harder to fin work in Switzerland without a highly desirable specialist skill.
I do have

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However, note that it's about the 90th percentile for personal income, i.e. households earning that much overwhelmingly tend to have two people working. (Which in turn means that they are spending a pretty big chunk of it on childcare for those first few years....)
Sorry I didn't fully understand what you meant.
At first ill be working alone but i expect our initial income to be around 120k although when my doughter start going to school my wife could do a part time maybe but the idea is to count just on one income. any other income will ve a plus. I just haven't had the time to do the budged yet but I believe this weekend a big chuck will be done, if not all.

I am really focusing in the whole picture, big and small, thats all important. I don't want to caught by any surprises

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Understand that Switzerland is not part of the EU so you can't just move here as you would to another EU country. Your residency status in the EU means nothing here and you'd come under the non-EU hiring criteria I posted the link for earlier. That means an employer has to prove they can't find a Swiss/EU national who could do the job before they'd be allowed to hire you.
I am aware of the rules for EU immigration, should be fine.

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Another link here:

http://www.swissinfo.ch/eng/quotas-a...-deal/37877780

There could possibly be another vote later this year, but at the moment the plan is to have a safeguard clause written into the Swiss constitution whereby if immigration numbers get too high (how that's to be defined is anyone's guess at the moment) then the government will introduce a quota limit on EU nationals which will be similar to the current non-EU one here:

https://www.sem.admin.ch/sem/en/home...zulassung.html

The aim is to encourage employers to hire Swiss nationals and those other nationalities already living here first rather than bring in someone from the EU. So I expect you'd need a pre-approved job offer like the non-EU nationals have before you'd be able to move here.

There's a thread here on the immigration subject so keep checking for updates:

Masseneinwanderung Stoppen [initiative to limit immigration]
There are not enought swiss people to cover the high demand is various sectors of the economy, thats a given. If you go to jobs.ch right now you will see
more than a 1000 vacancies just for IT

Last edited by 3Wishes; 05.02.2016 at 08:35. Reason: merging consecutive replies; try the multi-quote button (to the right of Quote). ;)
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Old 05.02.2016, 15:06
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Re: Budget - Please Help me fill the blanks

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There are a few reasons (but not all):

1 - Health Care (we don't like Irish health care system)
Be prepared for around CHF 700 net per month, and to keep the franchises in your bank. Roughly CHF 9000 of your net income per year + CHF 5000 for two adult franchises of the max amount to keep the premiums low.

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2 - Monthly disposable here isn't great (Im trying to see if it would be better in CH)
Most people do say they have more disposable income every month. BUT, it depends on your pension as well and what you already get and at what age you start to pay into the Swiss system. The Pillar 1 and Pillar 2 at your age will amount to being unable tot support you in Switzerland. You will need to pay into Pillar 3 at e.g., 15-20% of your net income per month to make up the difference. Do the maths. The higher disposable income can easily become in reality much lower once you pay the things you need to pay like pensions!

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3 - Weather here is bad, always cloudy and the days you see the Sun are very few (I trying to see if it would be better in CH)
I find the weather in CH oppressive and depressing, having previously lived in NL and IE. The major advantage to CH is the ease that you can get up the mountains to the snow. Weather itself in Zürich will be mostly foggy and wet in winter.

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4 - CH is much better located. We would like to travel a bit more without having to spend too much. Ireland is an island.
Absolutely a major plus point. There is an endless amount of places to visit for a weekend trip by car from anywhere in Switzerland. Not having to fly but being able to load up a car easily and head off in a few hours to Italy or France, and be completely independent of airports is a huge plus.

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5 - Learning german is not a bad idea
Yes, absolutely. While you will never ever be integrated in Switzerland, many people speak Swiss German and High German. They are happy to communicate in High German to you as a foreigner.

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6 - We don't want to settle here in Ireland and we think CH could be a good place to do so.
There is absolutely no reason to presume that you will be able to settle in Switzerland until you get a C-Permit. You can have 5 years on a B, unless you have a Swiss passport already or some way to ensure you can actually settle here. It may well transpire at any stage, that you will have to leave due to quotas for settlement, or when/if you are over 50 and lose your job and are thus unemployable in Switzerland. It can also transpire that you retire and cannot afford it, so must then emigrate at age 65.

As far as I can tell, the social supports of the western EU countries are way more person-friendly than the equivalent in Switzerland.

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7 - We like tidiness
There is nothing more or less tidy in Switzerland than anywhere else.
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  #39  
Old 07.02.2016, 19:18
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Re: Budget - Please Help me fill the blanks

Does anybody know how much is the fresh/frozen salmon kg both in zurich and in germany?
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  #40  
Old 07.02.2016, 20:07
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Re: Budget - Please Help me fill the blanks

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Does anybody know how much is the fresh/frozen salmon kg both in zurich and in germany?
Come on. Be serious! It's 2016. This isn't that difficult.
Go on the supermarket web pages.

https://en.wikipedia.org/wiki/List_o...in_Switzerland
https://en.wikipedia.org/wiki/List_o...ins_in_Germany
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