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Old 15.06.2015, 12:04
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Hi,
we're planing to move to La chaux du fonds in October,
below is the calculation of my revenues and the planned expenses ,
are my calculation OK or too much high/low,
we are family with 1 new baby,

Thanks,
Roi
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Last edited by 3Wishes; 15.06.2015 at 15:47. Reason: merging consecutive posts
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Old 15.06.2015, 12:20
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Re: Moving to Switzerland - Cost list

Hi,
1)Medical/dentist* seems way too low.
Minimum will be much higher.
Check here:
https://en.comparis.ch/krankenkassen/default.aspx

* Remove "dentist" from medical, it's separate here. Unless you go for "complementary", then it can be regrouped.

Edit: ha oops you have a section "Health insurance"... Hm... I don't understand why you separated then.

2)You forgot Billag (450chf/year, for now)= tv/radio related cost.

3) Internet, requires a 25-26chf fix landline fee for adsl. I don't see it in your cost. Might be easier to put the price of a "package" if you feel like buying TV + internet (which requires landline). For cable internet it's a bit different.

4) If you plan for "reparations of car", then also put aside for "fines" or something, unless you are very respecting driving laws.

5) There are additional minor things (insurance RC, maybe local taxes, etc...) but they are relatively tiny.
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Old 15.06.2015, 12:23
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Re: Moving to Switzerland - Cost list

And keep in the back of your mind that a Krippe (creche) in CH is not always free. Not necessary now but will/may come later.
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Old 15.06.2015, 12:31
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Re: Moving to Switzerland - Cost list

You will easily be able to go over to France from La Chaux de Fonds for shopping if you have a car which will reduce your costs for groceries and other stuff. ( nappies for the baby will almost certainly be cheaper in France) Just make sure you stick to the limits.

I assume the extra medical/dental expenses is to cover the deductible and dental visits if you're not insured.

You may want to look into the combi packages for TV/Internet as they generally work out cheaper. It's possible that the connection fee is included in the charges for the appartment so you may not have to pay extra ( as Corsabou suggests)for that so check your lease for that otherwise it will be an extra cost. The TV licence fee (Billag) is astound 450 chf per year.
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Old 15.06.2015, 12:33
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Re: Moving to Switzerland - Cost list

You're not very far off. You may want to up a bit the expenditure on intenet/mobile/tv. You could save something on the car costs - buy second hand rather than lease for instance.

I would add some costs for local travel/commuting (abonnement/train half-fare card) as going by car may not always be the best option.
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Old 15.06.2015, 12:42
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Re: Moving to Switzerland - Cost list

depressing list when you put it all out like that, still excited for the move?
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Old 15.06.2015, 12:51
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Re: Moving to Switzerland - Cost list

It does seem a bit depressing ... the one item that I found possibly overstated is fuel ...for CHF 450, you would currently get around 280-300 liters of fuel. I don't know how much you drive or how big a car you have but this seems a lot.
I usually spend less than CHF 100/month on fuel and that's with about 1000km a month driving.
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Old 15.06.2015, 12:54
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Re: Moving to Switzerland - Cost list

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It does seem a bit depressing ... the one item that I found possibly overstated is fuel ...for CHF 450, you would currently get around 280-300 liters of fuel. I don't know how much you drive or how big a car you have but this seems a lot.
I usually spend less than CHF 100/month on fuel and that's with about 1000km a month driving.

yeah that is a lot isn't it.

I know that when I break down my costs too that although my current rent is low the rest adds up to a lot (but I'm in France right now).
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Old 15.06.2015, 12:54
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Re: Moving to Switzerland - Cost list

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It does seem a bit depressing ... the one item that I found possibly overstated is fuel ...for CHF 450, you would currently get around 280-300 liters of fuel. I don't know how much you drive or how big a car you have but this seems a lot.
I usually spend less than CHF 100/month on fuel and that's with about 1000km a month driving.
Yep 450chf a month for fuel is an awful lot.
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Old 15.06.2015, 12:56
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Re: Moving to Switzerland - Cost list

medical insurance is at least 200 monthly
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Old 15.06.2015, 13:01
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Re: Moving to Switzerland - Cost list

You seem to have missed off insurances. I don't know the exact details, but we have 3/4 separate insurances which may not be obligatory, but quite common: 3rd party liability insurance, legal insurance, some kind of 'tenant' insurance etc. I don't think they are massively expensive , but you have little flex.
What is a little worrying from this list is that you have a deficit every year and you have not included any 'emergency' fund. Your misc. fund would not cover much. (E.g. I had a couple of fillings and trip to the hygienist that cost me CHF1,800)
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Old 15.06.2015, 13:05
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Re: Moving to Switzerland - Cost list

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medical insurance is at least 200 monthly
He has it, somehow (Medical Ins: 1000chf/month).

Knowing that they are 2 + 1, seems enough.

Say it's approx 250chf/adult with highest franchise (=lower monthly payments). its like minimum 500chf/month+ whatever is for the kid.

Therefore, 1000chf should cover the "cheapest scenario".

Of course, if they go for higher monthly payments, then it might cost more.

But yes, for simplification and understanding, I'd regroup all "medical related cost" in 1 line, and eventually put another line for "medical incidents", including the not mandatory but likely events.

For example 1 doctor visit is already 130chf, and since it will be within the franchise, it's extra cost from the mandatory Lamal thing. So they could plan already medical incidents "2* 1 adult visit a year= 260chf".
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Old 15.06.2015, 13:27
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Re: Moving to Switzerland - Cost list

You could lease a Ferrari 456 with those car figures. Is that the idea?
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Old 15.06.2015, 13:49
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Re: Moving to Switzerland - Cost list

I think you could get the health insurance down from 1000 a little bit. We pay a touch over that with 3 kids. No franchise for them and the maximum for us and we're all semi private with Helsana.

You need to add in home insurance.

Also I didn't see any 'living' or 'fun' expenses. 1000 doesn't go far for food, nap pies formula etc. Babysitters, restaurants etc will take a huge chunk of that.

Also you should be entitled to about 300chf a month child allowance.
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Old 15.06.2015, 13:49
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Re: Moving to Switzerland - Cost list

I am a family of 5 (3 kids) and our health insurance is about 760CHF per month. So I think 1,000CHF is too high. (I used Sanitas.)

Get some renter's insurance but that is cheap.

I should have budgeted for all of the speeding tickets I got the first year. watch out for those radar detectors!

The Swiss give you 300CHF per child per month (no limit!). Be sure to ask the Geneinde to get the form.

Good luck!
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Old 15.06.2015, 13:57
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Re: Moving to Switzerland - Cost list

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I think you could get the health insurance down from 1000 a little bit. We pay a touch over that with 3 kids. No franchise for them and the maximum for us and we're all semi private with Helsana.

Also you should be entitled to about 300chf a month child allowance.
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I am a family of 5 (3 kids) and our health insurance is about 760CHF per month. So I think 1,000CHF is too high. (I used Sanitas.)



I should have budgeted for all of the speeding tickets I got the first year. watch out for those radar detectors!

The Swiss give you 300CHF per child per month (no limit!). Be sure to ask the Geneinde to get the form.

Good luck!
Before he gets his hopes up I'll bring him down to earth and tell him that in Neuchatel canton the family allowance is only 230chf for children under 16.

We also pay less than 1000chf for health insurance per month ( about 750) for two adults and a child and we also have semi private cover for all of us and dental cover for our son. Zero franchise for him and 300 franchise for us with Groupe mutuel.
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Old 15.06.2015, 14:15
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Re: Moving to Switzerland - Cost list

Thank you all for you answers and comments,
i've updated my list according to your comments,
added more insurances, taxes,fines, added "fun" costs and Child allowance,
decreased fuel, car lease and medical insurance.

The fuel is relatively high since I'm planning to drive to work with (working in Neuchatel) and also do shopping in France...

I think that the taxes are very high, there is no tax deduction for foreigners(I've french nationality),
or for rent/insurance thing...?

Thanks,

Roi
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Old 15.06.2015, 15:12
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Re: Moving to Switzerland - Cost list

Your rent is probably a bit high for LCF. I had a newly refurbed 3.5 room apartment in LCF for 1310 including charges. Paid about 100CHF extra per month for over-charges.

Your groceries is def too high for couple with a small child.

160CHF for reparations and fines per month? Drive slower and stop crashing?

Health insurance I paid 360CHF per months for both me and my wife per month with a 2500CHF franchise. The little one cost about 115CHF per month with an all singing all dancing policy so 800CHF per month for health insurance is probably a bit high but depends on your franchise.

Also 100CHF per month for taxes? Billag is a fixed cost of 400 odd per year. So 1200 for the year for that is way too high.
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Old 15.06.2015, 15:23
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Re: Moving to Switzerland - Cost list

Not sure if it's just me, but making a budget summing to a negative amount is disturbing...

Any budget for trips back home? I guess you will want to visit the grandparents in Xmass, Easter, etc.?

On the other expenses, I have no idea
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Old 15.06.2015, 15:40
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Re: Moving to Switzerland - Cost list

I think your car costs need slashing. Can't you get an older VW Polo or similar?
Insurance will be 300chf per year, road tax 200, fuel half that, park in the street, 40chf instead of 200, etc. Less than 100K is tricky for a family, that might expand... You seem to be going for luxury cars, apartments, etc.
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