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  #21  
Old 23.06.2013, 09:23
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Re: Anything I'm forgetting to budget?

I'll have a lot of catching up on visiting my Swiss family to do before going back to Canada. But I'll be budgeting that when I have more money.

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For the excess NK for a single person, with a small apartment, I'd allow 50chf per month. It's usually extra heating charges that comes up as a problem, if they under-estimate or if it's a particularly cold winter.
So I could likely minimise that cost by buying warm clothes, (I grew up in -40 winters), or is that something I should budget regardless?

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Partying. You're going to have to socialise.
Is there anything specific to Switzerland that I would have to factor in? I was thinking of finding a Schwingen club for that, as I'm not much of a partier.
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  #22  
Old 23.06.2013, 09:30
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Re: Anything I'm forgetting to budget?

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We make a separate budget for eating out, because it's a big expense.
.
We dont because we live out of Zurich and close to germany so eating out is as expensive or as cheap as you want. We budget 100CHF per restaurant visit for 4 people (25CHF a person) which covers a decent meal.

If you are in Zurich or a main city then you need to probably make this higher however eating at home is very affordable especially if you avoid COOP and Migros for your groceries
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  #23  
Old 23.06.2013, 09:34
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Re: Anything I'm forgetting to budget?

How much cheaper than Coop or Microns does it get? I remember being struck that while most things were more expensive, groceries were actually cheaper than in Canada, and I basically only shopped at Coop and Migros.
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  #24  
Old 23.06.2013, 09:42
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Re: Anything I'm forgetting to budget?

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How much cheaper than Coop or Microns does it get? I remember being struck that while most things were more expensive, groceries were actually cheaper than in Canada, and I basically only shopped at Coop and Migros.
Aldi and Lidls which are german chains are a good 20-25% cheaper. People either hate them or love them so there are likely to be people tell you this is wrong.However we shop nearly exclusively in Aldi, Lidl and then jump across to germany (only 15mins for us) and do minimal in COOP and Migros. If you are single the difference may no matter but as a family we save a heap with this approach.

The main item you will find pricey is meat but best advice is avoid beef and lamb as chichen, turkey and sausages are perfectly good. Frozen food is also where you can find prices can be high. Normal groceries and vegetables are not expensive in switzerland. So it is the meat and frozen foods that we shop for in germany, and clothes (but not in our groceries as clothing is well over priced in switzerland)

You asked on dental cover in one post, yes you can get a supplemental cover but it is not very good value as swiss dentists are all rich and charge well above what the cover will provide. Best option is to find a dental clinic or we go to germany where dentists are equally as good and charge less than half the swiss counterparts
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  #25  
Old 23.06.2013, 09:51
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Re: Anything I'm forgetting to budget?

How much is a regular check up and cleaning in Germany?

Are the Aldi and Lidls chains distributed throughout Switzerland or only near Basel/Schaffhausen and such?
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  #26  
Old 23.06.2013, 09:57
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Re: Anything I'm forgetting to budget?

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How much is a regular check up and cleaning in Germany?

Are the Aldi and Lidls chains distributed throughout Switzerland or only near Basel/Schaffhausen and such?
Dentist in germany will cost less than 100CHF (while is switzerland that will be 170-400CHF for the same and they will insist on 2 checkups per year ) and Aldis/Lidls are scattered across the country
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  #27  
Old 23.06.2013, 10:02
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Re: Anything I'm forgetting to budget?

100.- is definitely reasonable, especially as I have healthy teeth and don't need as frequent checks as some.

Will accident insurance cover dental damage, or would I need special coverage for having a tooth knocked out (by a randy billy goat or some such)?
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  #28  
Old 23.06.2013, 10:13
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Re: Anything I'm forgetting to budget?

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100.- is definitely reasonable, especially as I have healthy teeth and don't need as frequent checks as some.

Will accident insurance cover dental damage, or would I need special coverage for having a tooth knocked out (by a randy billy goat or some such)?
Most accident insurance include a cover for this however it is better to avoid the randy billy goats since they have other diseases not covered by insurance
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  #29  
Old 23.06.2013, 11:00
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Re: Anything I'm forgetting to budget?

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Those deposits really could add up. Presumably I wouldn't have to pay deposit on a mobile line, just the SIM card?
If you are not getting a lan-line phone to have decent internet, then nothing to pay. If you are going to rely purely on sim card /dongle then no deposit, you just buy them and pay whatever plan or PAYG.
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  #30  
Old 23.06.2013, 20:28
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Re: Anything I'm forgetting to budget?

Haircuts? It does vary on where you'll be living, how often you go and what gender you are... but an average cut and blow dry (female) is between CHF 60 and CHF 70. (If you're looking at websites be aware that you pay separately for the 'cut' and the 'blow dry'.) Of course you can pay less... I travel 37 km to have my hair cut but it only costs 20 chf!

Also clothes etc.
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  #31  
Old 23.06.2013, 20:52
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Re: Anything I'm forgetting to budget?

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Haircuts? It does vary on where you'll be living, how often you go and what gender you are... but an average cut and blow dry (female) is between CHF 60 and CHF 70. (If you're looking at websites be aware that you pay separately for the 'cut' and the 'blow dry'.) Of course you can pay less... I travel 37 km to have my hair cut but it only costs 20 chf!

Also clothes etc.
If you are male they are free! Just get a set of cutters and do it yourself
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  #32  
Old 23.06.2013, 22:00
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Re: Anything I'm forgetting to budget?

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If you are male they are free! Just get a set of cutters and do it yourself
I get mine cut for free, but I usually tip CHF 30!

Tom
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  #33  
Old 24.06.2013, 01:53
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Re: Anything I'm forgetting to budget?

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Haircuts? It does vary on where you'll be living, how often you go and what gender you are... but an average cut and blow dry (female) is between CHF 60 and CHF 70. (If you're looking at websites be aware that you pay separately for the 'cut' and the 'blow dry'.) Of course you can pay less... I travel 37 km to have my hair cut but it only costs 20 chf!

Also clothes etc.
OK, Brylcream it is. Suddenly hair product is cheaper than regularly getting my hair cut. Are the more conservative Swiss as prejudicial to medium length hair on men as they were >30 years ago?
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  #34  
Old 24.06.2013, 16:02
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Re: Anything I'm forgetting to budget?

Any idea if France is similarly cheaper to buy groceries in as Germany? I've selected Therwil as a good option if I get work in that general area, and it's walking distance from France, so that would end up being convenient if it's the case.
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  #35  
Old 24.06.2013, 16:14
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Re: Anything I'm forgetting to budget?

<Haircuts>
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If you are male they are free! Just get a set of cutters and do it yourself
Sexist.
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  #36  
Old 24.06.2013, 16:18
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Re: Anything I'm forgetting to budget?

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OK, Brylcream it is. Suddenly hair product is cheaper than regularly getting my hair cut. Are the more conservative Swiss as prejudicial to medium length hair on men as they were >30 years ago?
Not at all, IME. Although mine's more long than medium.

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Any idea if France is similarly cheaper to buy groceries in as Germany? I've selected Therwil as a good option if I get work in that general area, and it's walking distance from France, so that would end up being convenient if it's the case.
Yeah, France is also cheaper than CH, although some say that Germany is cheaper still. Personally, I have issues with German meat quality, so would rather pay the sometimes slightly higher french prices. then again, the fact that we're in France most days might have some say there.

But Therwil is no 'closer' to France than to Germany, if you're relying on public transport. Even cycling there wouldn't be much better, 11km to St Louis (Geant is the best closest big supermarket to Basel) compared with ~15 to Weil am Rhein.
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  #37  
Old 24.06.2013, 17:46
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Re: Anything I'm forgetting to budget?

Not even any small grocery stores in Leymen? I'd be quite surprised for a town not to have one.
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  #38  
Old 26.04.2015, 11:22
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Re: Anything I'm forgetting to budget?

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Dentist in germany will cost less than 100CHF (while is switzerland that will be 170-400CHF for the same and they will insist on 2 checkups per year ) and Aldis/Lidls are scattered across the country

Just thought I would throw in my two cents....

Not all European countries have professionally trained Dental Hygienists, so while you may pay less for a " cleaning", you may actually lose money.

BEST ADVICE EVER:

To save your teeth AND money:

ALWAYS ask for a Professionally trained Dental Hygienist ( Fraud at your dentist..."PA" or "DH"...???).

Switzerland has established Dental Hygiene Schools, and there are some excellent Swiss Hygienists. However, I understand Germany and France do not have hygienists. http://www.ddhv.de/en/ And, though several of the other European countries have started Hygiene schools, they are not always utilized. Even better, find an American or Canadian hygienist. ( there are quite a few of us working in Switzerland) We often have a different education and attitude toward preventive dentistry.

Check it out for yourself, as this information often changes. http://www.ifdh.org/work_abroad.html
Only to say, the profession is not always the same as you might expect. ( I've worked in five countries and four languages...)

Last edited by Susan57; 26.04.2015 at 11:27. Reason: typo
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