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  #21  
Old 15.06.2015, 15:51
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Re: Moving to Switzerland - Cost list

If you'd like further comparisons, these two threads have quite a bit of info from members sharing their experiences:

Cost of living - help needed to get it right

Cost of living in Switzerland-with examples


Many of the costs you'll see are more geared toward Zurich but maybe you'll see some expenses listed here that you haven't yet considered. Good luck with the planning and move.
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  #22  
Old 15.06.2015, 16:35
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Re: Moving to Switzerland - Cost list

Hi Roi,

welcome to Switzerland! I am glad to see that you are planning your move so carefully.

Since your budget gives you negative balance every month, you need to do some cutting. Otherwise you will end up with trouble when some unexpected expense comes. Few advices from my side:

1) Forget the leasing.
This is the most expensive way of car ownership. Leasing is for people who do not understand maths, or they like their car more than feeling of financial stability. I would strongly advise you to buy second-hand from e.g. Ricardo (Swiss ebay) and start from there. You can get very decent car for very little money.

2) Health Insurance.
Franchise of 2500 is the most economical way, in the long term, to have the health insurance. For a child perhaps you want to include no franchise. Detailed explanation why here: Deductible / Excess / Franchise - which is the best one to choose?

3) live close to where you work
...and use bike to commute. Bike is cheap, provides endless fun, and gives you health and monetary savings. Why would you want to live so far from work, and commute (by car) every single day?


Good luck!
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  #23  
Old 15.06.2015, 17:20
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Re: Moving to Switzerland - Cost list

thanks all,
it will be better second hand car like you said,
in addition I understood that I might have some deduction in my tax,
can someone have a link to a tax calculator (not the standard one )?
the second thing that I realized is that the pension is being paid by my company,
so no need to reserve the 800 CHF,

Roi
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Old 15.06.2015, 19:01
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Re: Moving to Switzerland - Cost list

in addition to road tax you will have one time car registration fee of about 120chf and vignette will be 100chf per year

also your community will charge for fire department duty which is a few hundred a year depending on the community.

you also need to pay for the thrash bags which are about 20chf - 40 chf per month

Most likely you will use public transport because switzerland is not car friendly and therefore you might purchase a half off pass for the trains which is 150chf per year plus the train ticket abo price of which you can research on sbb.ch

also budget for some speeding fines because the swiss are very good with the hidden photo radars. 100 to 300 per fine. You will be flashed for simple infractions like switching lanes and driving over the continuous white line right at the traffic light (100chf fine)

one time car parking in the city while shopping is at lest 5 to 15 franks plus 40chf if you are fined.

one meal out at McDonald's with the family will cost you about 50chf.

YOUR CONTRIBUTION TO PUBLIC SERVICE
Every household in Switzerland is legally obliged to pay the radio and television fee. Your fee contributes to the public service offered by radio and television broadcasting in Switzerland. Billag is about CHF 13.75 per month for radio and CHF 23.84 per month for a television (approximately CHF 450.08 per year)

there's more but a lot can be avoided if you think of like like a war on capitalism )) hahaha
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  #25  
Old 15.06.2015, 19:11
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Re: Moving to Switzerland - Cost list

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...you also need to pay for the thrash bags which are about 20chf - 40 chf per month...
Gosh, how much rubbish do you generate? Or are the bags near ZH crazy expensive? I buy a package of 10 bags (17 L) for about 12 Francs. This lasts us easily 2 months...
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  #26  
Old 15.06.2015, 19:35
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Re: Moving to Switzerland - Cost list

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in addition to road tax you will have one time car registration fee of about 120chf and vignette will be 100chf per year

also your community will charge for fire department duty which is a few hundred a year depending on the community.

you also need to pay for the thrash bags which are about 20chf - 40 chf per month

Most likely you will use public transport because switzerland is not car friendly and therefore you might purchase a half off pass for the trains which is 150chf per year plus the train ticket abo price of which you can research on sbb.ch

also budget for some speeding fines because the swiss are very good with the hidden photo radars. 100 to 300 per fine. You will be flashed for simple infractions like switching lanes and driving over the continuous white line right at the traffic light (100chf fine)

one time car parking in the city while shopping is at lest 5 to 15 franks plus 40chf if you are fined.

one meal out at McDonald's with the family will cost you about 50chf.

YOUR CONTRIBUTION TO PUBLIC SERVICE
Every household in Switzerland is legally obliged to pay the radio and television fee. Your fee contributes to the public service offered by radio and television broadcasting in Switzerland. Billag is about CHF 13.75 per month for radio and CHF 23.84 per month for a television (approximately CHF 450.08 per year)

there's more but a lot can be avoided if you think of like like a war on capitalism )) hahaha
The vignette costs 40 chf per year.

There is no contribution to the fire service in Neuchatel canton.

The trash bags are 1 chf each for the 17l and 2chf each for the 35l ones. As a family with a young child they will receive a roll (or maybe 2) of bags for free when they register with the commune in la Chaux de Fonds.

It's pretty car friendly around here and it will be very advantageous to have a car if the op intends to shop in France. Parking us nowhere near as expensive as that around here. The OP just needs to be careful how he drives and parks if he wants to avoid fines. It is possible to live here without getting fined at all and speeding fines start at 40 chf for minor infraction.

Not sure what you're eating in MacDonald's but 50 chf sounds a bit steep to me. On the very rare occasions we've eaten there it hasn't cost us that much for a family of three adults and I'm assuming that the OP's baby won't eat much.

He has factored the Billag into his calculations.
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