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  #101  
Old 17.02.2009, 10:26
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Re: How much you really need to live in Switzerland?

Thanks Martin, would you mind me asking what size room or flat would that 1000 get you? Is that price typical for a city and is it cheaper in the countryside? Do you share your flat? Is there no public health service or does everyone have to get health insurance? Would the public transport costs be for large or short distances? Thanks again for your help, not trying to be overboard with my questions, just trying to get a picture. Thanks,

daniel
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  #102  
Old 17.02.2009, 11:03
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Re: How much you really need to live in Switzerland?

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Thanks Martin, would you mind me asking what size room or flat would that 1000 get you? Is that price typical for a city and is it cheaper in the countryside? Do you share your flat? Is there no public health service or does everyone have to get health insurance? Would the public transport costs be for large or short distances? Thanks again for your help, not trying to be overboard with my questions, just trying to get a picture. Thanks,

daniel
I live in a big 1 room flat (with a separate kitchen) in Affoltern-Zurich. I got the flat in 2000 so prices might have gone up since then but you should still be able to find a small flat at about that price on the outskirts of Zurich. If you share you might be able to save money on rental.

No there is no public health insurance in Switzerland. The swiss system is a strange mix: compulsory private insurances. If you get a higher "Franchise" (1500.- for example) you will pay less per month.

For public transport I was counting a monthly card for the number 10 zone in Zurich (used to be 80.- per month. Might have gone up). That is a pretty big area that covers pretty much the whole of the city of Zurich.
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  #103  
Old 17.02.2009, 11:09
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Re: How much you really need to live in Switzerland?

No matter where you live, be it Zürich or elsewhere, I would recommend getting some sort of rail pass to cover the region you are in. It will work out cheaper than buying the individual tickets on a daily basis.

Try here for some more info, btu if you are unsure, I have always found the staff in the stations a great help, and they should be able to tell you what ticket is best for your needs.

http://mct.sbb.ch/mct/en/reisemarkt/abonnemente.htm
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  #104  
Old 17.02.2009, 11:52
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Re: How much you really need to live in Switzerland?

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Thanks Martin, would you mind me asking what size room or flat would that 1000 get you? Is that price typical for a city and is it cheaper in the countryside? Do you share your flat? Is there no public health service or does everyone have to get health insurance? Would the public transport costs be for large or short distances? Thanks again for your help, not trying to be overboard with my questions, just trying to get a picture. Thanks,

daniel
I live in what they call a 2 1/2 room (ie, large living room, one bedroom, bathroom, kitchen, balcony) flat in the city (10 minutes by tram from the centre of Zürich, shops across the road, parks and the forest nearby, various restaurants and bars, some of them quite good). It is a fairly decent no-nonsense working-class area (no drugs, no prostitutes, little crime, litle graffiti, no snobs or yuppies, mostly friendly neighbours) but nothing special. The building has recently been renovated and the kitchen, bathroom etc are all top notch. The balcony has been enclosed and basically serves as a small extra room. The building has an elevator. I pay a bit under 1200 Franks including heating. If you go out of town (say Lenzburg) you can get a similar place for 700 Franks, still with shopping etc nearby. But then you might have to factor in more for travelling and spend more time travelling. It would still be cheaper though ifr you don't mind the extra travelling.

In the same building that I live there are 1 1/2 room flats (ie studios) which cost between 700 and 800 franks. The same might cost 500 in Lenzburg.
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  #105  
Old 18.02.2009, 09:38
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Re: How much you really need to live in Switzerland?

Hey Martin, NDSpittal and Amogles, thanks for the helpful replies
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  #106  
Old 22.02.2009, 21:47
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Re: How much you really need to live in Switzerland?

All depends on where you live, outside the city things work out a lot cheaper. I know friends who have found places for less than 2000 CHF. One thing i have noticed here is that all apartments are non furnished. So that additional expense of furnishing is all yours.
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  #107  
Old 22.02.2009, 22:38
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Re: How much you really need to live in Switzerland?

Detached house, car, holidays, 2 kids, decent schools need to earn about $180k p.a. Partner will most probably not be earning. If buying need have 20% ready to put down on house (about $200,000) Also plan extra costs- extra deposit as a foreigner for services and all new electrical appliances. Add on top language courses and extra tuition if not going for the international school.
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  #108  
Old 22.02.2009, 22:44
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Re: How much you really need to live in Switzerland?

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Detached house, car, holidays, 2 kids, decent schools need to earn about $180k p.a. Partner will most probably not be earning. If buying need have 20% ready to put down on house (about $200,000) Also plan extra costs- extra deposit as a foreigner for services and all new electrical appliances. Add on top language courses and extra tuition if not going for the international school.
We are middle class, we have friends who have been offered over 200K, they priced it out and refused. I think that we would also refuse anything less than $220K with kids. Single is a different matter.
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  #109  
Old 23.02.2013, 11:16
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Re: How much you really need to live in Switzerland?

Hi All,

To help all current and future expatriates and migrants to Switzerland like me and my family (expatriates), I created a website that would help them integrate faster. In relation to the topic of this thread, may I suggest you visit this link - http://thetrailinghusband.weebly.com...l#.USikYaVOylc

The link contains monthly costings of the common expenses we are currently incurring in Switzerland.

My apologies to the administrator(s) of this forum. My intention is only to help contribute real solutions this thread. No promotion of site intended.
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  #110  
Old 23.02.2013, 15:49
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Re: How much you really need to live in Switzerland?

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Hi All,

To help all current and future expatriates and migrants to Switzerland like me and my family (expatriates), I created a website that would help them integrate faster. In relation to the topic of this thread, may I suggest you visit this link - http://thetrailinghusband.weebly.com...l#.USikYaVOylc

The link contains monthly costings of the common expenses we are currently incurring in Switzerland.

My apologies to the administrator(s) of this forum. My intention is only to help contribute real solutions this thread. No promotion of site intended.

Well, nice information aggregated!
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  #111  
Old 23.02.2013, 16:14
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Re: How much you really need to live in Switzerland?

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We are middle class, we have friends who have been offered over 200K, they priced it out and refused. I think that we would also refuse anything less than $220K with kids. Single is a different matter.
Obviously used to a better level of something. 200k for a family of 4 is comfortable and easly allows private school for the kids
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  #112  
Old 17.03.2013, 15:33
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Re: How much you really need to live in Switzerland?

I am leaving. Switzerland is great. It really is, but I think London is even better. The trouble is that I came to Switzerland after having lived in central london. Whilst Zurich was a nice change, after a while you come to miss the things such as the huge amount of culture that london has to offer. Dinining out opportunities in london are also much more varied and incredibly more reasonably priced. In fact that would be my biggest gripe about Swiss (Zurich) living. It's the cost of eating out. For example, only this morning I popped into a coffee shop for two lattes, and two apple strudles....the price....37 francs.....and that was in Wollisofen, hardly central zurich prices.
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  #113  
Old 17.03.2013, 15:44
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Re: How much you really need to live in Switzerland?

You need to think of the Swiss health insurance as just being another tax.

It is quite often banded about how Switzerland is a lower tax regime. What doesn't help is that there are quite a few elements to the tax you pay here and income tax is just but a small part of your overall tax. Health insurance, which is non descretionary, is also effectively another form of tax.



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Are we missing out on Health insurance?
It is a significant part of our expenses, considering it cost more than GA traincard, regional trampass, 3x visits to a midrange restaurant, per month. worst still, it seems like there is no means of saving any cent on it.
(if someone has already figured that out, let us know...)

I think each of us have received a letter from our respective insurance company that we have to pay 20-30% more for the next year.
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  #114  
Old 17.03.2013, 15:52
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Re: How much you really need to live in Switzerland?

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I am leaving. Switzerland is great. It really is, but I think London is even better. The trouble is that I came to Switzerland after having lived in central london. Whilst Zurich was a nice change, after a while you come to miss the things such as the huge amount of culture that london has to offer. Dinining out opportunities in london are also much more varied and incredibly more reasonably priced. In fact that would be my biggest gripe about Swiss (Zurich) living. It's the cost of eating out. For example, only this morning I popped into a coffee shop for two lattes, and two apple strudles....the price....37 francs.....and that was in Wollisofen, hardly central zurich prices.
After eating out a few times a week for a year or so when we arrived from London, I decided it was better to stay in, since I could cook better food at home and share a decent bottle of wine at a fair without spending a week's worth of grocery shopping on a meal out.

Now I find eating out in the evenings very over-rated. Dinner parties and home cooking wins hands down over a salty meal with over-cooked vegetables and grumpy service.

I prefer to spend more on a comfortable home and stay in and enjoy it
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  #115  
Old 17.03.2013, 16:15
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Re: How much you really need to live in Switzerland?

You are absolutely right there. Eating in is definitely the way to go.

And what is it with this 10dcl serving of wine that tends to be the norm in restaurant. That tends to evaporate before you get a chance to have your first sip.

The irony of Switzerland being in the heart of Europe, is that despite it being surrounded by cheaper sources of food, ie Germany, Italy, France, Austria...the cost of food is so high....can someone please explain that one for me?

Oh dear....I am beginning to sound like a real whinger!



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After eating out a few times a week for a year or so when we arrived from London, I decided it was better to stay in, since I could cook better food at home and share a decent bottle of wine at a fair without spending a week's worth of grocery shopping on a meal out.

Now I find eating out in the evenings very over-rated. Dinner parties and home cooking wins hands down over a salty meal with over-cooked vegetables and grumpy service.

I prefer to spend more on a comfortable home and stay in and enjoy it
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  #116  
Old 17.03.2013, 16:20
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Re: How much you really need to live in Switzerland?

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You are absolutely right there. Eating in is definitely the way to go.

And what is it with this 10dcl serving of wine that tends to be the norm in restaurant. That tends to evaporate before you get a chance to have your first sip.

The irony of Switzerland being in the heart of Europe, is that despite it being surrounded by cheaper sources of food, ie Germany, Italy, France, Austria...the cost of food is so high....can someone please explain that one for me?

Oh dear....I am beginning to sound like a real whinger!
Food is not that expensive actually if you shop properly, what is expensive is eating out at a restaurant. Simple solution is use restaurants less since they are not going to change their prices but you can feel better by eating in and not paying their excessive prices. We are fortunate enough to be close enough to germany which is where we go when we want to eat in a restaurant and so much nicer to have a meal for 4 which only costs 100CHF or under in total inclusive of drinks
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  #117  
Old 17.03.2013, 16:31
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Re: How much you really need to live in Switzerland?

Hi.. for me , its too much. Im unemployed by the way.. was looking and now have to move.I love living here.. but just stepping out the door for a day costs 50 to 100 francs.. add appartment , insurance, tax, cars.. you name it.
Before anyone groans at this post !! this was just my voice. It aint cheap.
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  #118  
Old 17.03.2013, 16:32
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Re: How much you really need to live in Switzerland?

To live in Swissyland.. not my voice.
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  #119  
Old 17.03.2013, 16:46
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Re: How much you really need to live in Switzerland?

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And what is it with this 10dcl serving of wine that tends to be the norm in restaurant.
Umm, because it IS the norm in restaurants, and not just here, but Italy, France, etc.

Tom
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  #120  
Old 17.03.2013, 19:13
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Re: How much you really need to live in Switzerland?

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It's the cost of eating out. For example, only this morning I popped into a coffee shop for two lattes, and two apple strudles....the price....37 francs.....and that was in Wollisofen, hardly central zurich prices.
What??? You accepted to pay 37 francs for two lattes and two apple strudles and then you complain that prices are too high???

Surely there must be places in Switzerland where prices are lower than that? For example the Migros and Coop restaurants in central Zurich. A coffee must be about 4 CHF and an apple strudle about 4 CHF too. So that would be 16 CHF instead of 37 CHF. That's less than half.

Don't you understand that if you pay an extortionate price for something you are contributing to making that item more expensive? Have you never heard of the Law of Supply and Demand?
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