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  #41  
Old 13.09.2016, 13:59
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Re: Eating and living on a tight budget in Switzerland

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Well, I can't comment now, either ;-)

From the first page of google-results, it looks like you need to disable any country-specific access-control setting on that page. Then it will show even to non-FB-visitors.

I think I write to FB support in regards to this, hopefully there is a way.

Thanks for looking it up!
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  #42  
Old 13.09.2016, 14:34
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Re: Eating and living on a tight budget in Switzerland

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Well, I can't comment now, either ;-)
.......
That's odd, I just tried and commenting worked for me.
I can't see the page without logging in though, so there's something up with the settings.

Hopefully FB Can give EEnders an answer to the problem as her page is full of interesting stuff!
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  #43  
Old 13.09.2016, 15:09
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Re: Eating and living on a tight budget in Switzerland

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That's odd, I just tried and commenting worked for me.
I don't have a FB account.

;-)
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  #44  
Old 13.09.2016, 15:42
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Re: Eating and living on a tight budget in Switzerland

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I don't have a FB account.

;-)
???? Then that 'I can't comment now' is slightly misleading..... as you never could!

Worth a look though, once FB pulls their finger out and makes the page public.
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  #45  
Old 13.09.2016, 15:44
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Re: Eating and living on a tight budget in Switzerland

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I don't have a FB account.

;-)
Create a fake one - it's not such a big deal.

Why get Eastenders to do all the work?

John
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  #46  
Old 14.09.2016, 11:54
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Re: Eating and living on a tight budget in Switzerland

WOW Thanks for teh thumbs up, Anjela


Tom/John thanks to you too, I don't mind at all to do all the running....after all I started the thread/ FB group&blogthingymajig...so i have to see to find a solution.
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  #47  
Old 14.09.2016, 15:18
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Re: Eating and living on a tight budget in Switzerland

Okedoke, the problem is solved, as in, I know why one has to sign up to see my stuff....


Apparently it is only PAGES, that can be made publicly viewable also by non FB Members.....

The thing I call Blog, is actually initially a GROUP, which I set up to suit my wants and needs, and it is the GROUP which can't be viewed by the general non FB Public.


The Page template is not enough for what I want to do, but I'll see into it and try to work my way round and maybe a limited blog version or some such thing might be feasible.....I am making no promises, if I don't like it, the status quo remains.
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  #48  
Old 30.09.2016, 11:58
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Re: Eating and living on a tight budget in Switzerland

Sorry to all who've been interested.

The status quo remains as it is the way it is now, it allows me to post longer files etc and this is kinda paramount for me.

But feel free anytime to PM with questions in regards to this topic in general, if I can ...I gladly help.
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  #49  
Old 30.09.2016, 19:46
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Re: Eating and living on a tight budget in Switzerland

What I have found pretty amazing here is that you can actually get somewhat healthy food already made for you with delivery service much cheaper than going to shopping and preparing your food by yourself. This actually works for single persons better. I just love it

Last edited by sniveri; 30.09.2016 at 19:53. Reason: Fixed a typo
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Old 30.09.2016, 20:41
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Re: Eating and living on a tight budget in Switzerland

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What I have found pretty amazing here is that you can actually get somewhat healthy food already made for you with delivery service much cheaper than going to shopping and preparing your food by yourself. This actually works for single persons better. I just love it
Could you please provide links? Thanks.
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  #51  
Old 02.10.2016, 13:05
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Re: Eating and living on a tight budget in Switzerland

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What I have found pretty amazing here is that you can actually get somewhat healthy food already made for you with delivery service much cheaper than going to shopping and preparing your food by yourself. This actually works for single persons better. I just love it

I would like to know your defintion of cheap? So how much do you spend per meal doing it this way?

I am just curious, mind
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  #52  
Old 10.10.2016, 12:43
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Re: Eating and living on a tight budget in Switzerland

Shamelessly advertising again the FB-Budgeting-Blog

https://www.facebook.com/groups/1057050264371996/

Because it would make that old lass really very happy if there would be a few more readers wanting to know about Budgeting in CH and eating well and other stuff to be done on a tight budget.

2 and a half months later since it started, 38 faithful readers so far (THANK YOU !!) roughly 20 files on Money saving topics and a gazillion Posts.....and there is more of the same to come.

So if you have to watch your Pennies and happen to be on FB, why not sneak a peek??
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  #53  
Old 10.10.2016, 13:00
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Re: Eating and living on a tight budget in Switzerland

Already reading your FB page :-)
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Old 10.10.2016, 13:09
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Re: Eating and living on a tight budget in Switzerland

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What I have found pretty amazing here is that you can actually get somewhat healthy food already made for you with delivery service much cheaper than going to shopping and preparing your food by yourself. This actually works for single persons better. I just love it
Can you show an example?
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  #55  
Old 10.10.2016, 14:25
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Re: Eating and living on a tight budget in Switzerland

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already reading your fb page :-)

+1
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  #56  
Old 10.10.2016, 15:09
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Re: Eating and living on a tight budget in Switzerland


Thanks edot and roegner!!

You would tell me if there was something I could do better/something is boring/ something is missing/less blathering more hardcore facts.................... on there, wouldn't you?

Always open for constructive critcism.
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  #57  
Old 10.10.2016, 15:46
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Re: Eating and living on a tight budget in Switzerland

I just might share some recipes, my favourite one for a lentil soup :-)
Nourishing, easy to make and doesn´t break the bank
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  #58  
Old 11.10.2016, 11:53
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Re: Eating and living on a tight budget in Switzerland

Why don't we start to post recipes which are cheap to make and other such stuff in this thread??

Basically everyone who's got experience, recipes, insights and what not to this topic chips in and shares what they know??

Because the thread title already fots to a t.

Dear roegner, forgive me, I may now come over as really petty, anal or whatever, but that Blog wouldn't be my personal(ized) SWISS Blog anymore if it would be open to anyone to post.
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  #59  
Old 12.10.2016, 13:56
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Re: Eating and living on a tight budget in Switzerland

Okkeeeee

I'll start posting some of the files I wrote and other non-personal stuff, such as recipes and the thing I do on the Blog...posting a pic about a dish I cooked and list the cost of the ingredients which I used for it.
Generally I get away with a costs of 2-3 Swiss Francs a head for a plain, but tummy filling meal.

I hope others pick up this idea and will start to share their experiences, recipes and so on...bear in mind, this is really for those who have a teensy tiny income.
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Old 12.10.2016, 13:56
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Re: Eating and living on a tight budget in Switzerland

Budgeting In Switzerland



In a high price country like Switzerland, consequent budgeting is often the only way to keep income and expenses more or less in balance. In this File I am going to list some basic rules of how to calculate the initial budget.

I am drawing from my experience as a single, working mom for five years with my eldest daughter 26 years ago and then ‘managing’ a family of five on a low-ish income (which I later learned in court wasn’t low at all..... ) , and now I am a single mom again for the past 7 years.
Thus, I got insight on different problems that may arise, when one has to look where the money goes, as almost all my adult life I had to watch my pennies.


Anyway let’s start first with what should be considered in a Budget. At first it may be a bit messy, because you need to get all your monthly or yearly bills together and then draw a list of all income from this database.

All Income includes:

Salary man and/or wife
Federal Children allowance (Kinderzulagen)
Alimonies /Child support

Gratifications

13th Salary
And any other income regular or irregular


Then make a list of all expenses:

First the fixed monthly costs such as:

Costs for Housing

Rent/Mortgage ( in CH we say as a rule of thumb, the rent/mortgage should never be more than a quarter to a third of the total monthly income)
If not included in the rent money, respectively the charges (NEBENKOSTEN) then list separately costs for;
Heating
Chimney sweep
Water/Garbage/Used water
Building insurance/Building tax
Maintenance House and Garden
Cable TV connection

Other housing related costs

Approx cost of monthly electricity use/gas
Phone (landline)/ Internet/cell phone
Radio and TV (licenses & cable)

Taxes

State/community and Church Tax
National Income Tax (Direkte Bundesteuer)
Military replacement tax (this is important for Swiss male citizens only, who haven’t served their time in the Swiss army)

A good general rule is to calculate roughly one and a half months salary to be put aside for taxes. It is also a good idea to look into paying the taxes monthly in advance, based on a rough estimate on the past tax bill divided by 12. I do it this way and get 3% interest, no bank or solid investment will pay that much interest.







Insurances

Mandatory health care insurance
Goods and liability insurances
Life insurance
3rd Pillar
Other insurances



Car/Transport

These costs should include:
Insurances
Taxes
Amortisation
Fuel
Membership at a club such as TCS

On average, a ‚normal’ car costing 32'000.- bought brand new, drives 15’000 kilometres a year, will cost approximately 900.-chf a month, a smaller (cheaper) car will cost around 500.- a month.
Of course these costs vary a great deal; this is a rule of thumb of TCS and admittedly in my budget, the amount for our dented rust-bucket is much much smaller...so small, that a professional budgeting counsellor would break out in hives

All cost of Public transport, monthly or yearly tickets etc


Other fixed yearly costs

Subscriptions to Magazines and Newspapers
Club and Group memberships
Season cards to sports events
Gym subscriptions etc

Other

Credit cards and pay back of minimum coverage
Debts

As soon as all those fixed costs are set, the remaining money can be divided up for the following uses.


Household

Food, Drink, Hygiene Products, Washing Powder, Cleaning Products
Clothing and Shoes
Hairdresser
Pocket Money
Pet/Vet



Then one should also add a column for reserves such as:
Dentist/Optician/Medications
Doctor/Yearly Franchise of the health insurance/10%of doctor bills
Holidays
Gifts/Donations
School costs (i.e. School camps, day trips)
Unforeseen costs
Saving



Once all this is listed and calculated per month, this should put your mind at rest, to have a good control over the finances and no pink-slip surprises can throw them off kilter.

Often, I have heard and witnessed that people think only of their personal wants (not necessarily needs) and then are shocked when they receive a costly bill and don’t know how to pay.

In my experience to sort out first what has to be paid and then try to work with what is left is much more relaxing, as one isn’t living in constant fear of bills, reminders and final demands.


I can’t stress enough, when there is not a lot of dosh lying around; one has to learn to forego their personal wants and wishes. The newest handbag isn’t as important as the health insurance or doctor’s bill....because if you don’t pay these bills, a doctor can refuse to treat you, you’ll only get emergency treatment in hospitals as well.

Just because you think you need a holiday and then take it, will not prevent the bailiffs knocking on your door, because the rent money went up into thin air for a flight to sunny shores.

I am lucky enough to have managed to never have debts, I am of the kind who rather mends her trousers several times than worrying all the time, how to pay for food for my girls.

It needs a lot of stamina to live on a low income. It needs a lot more energy and a kind of “street savvy-ness” to survive day after day.

I know people who are filthy rich, yet unhappy and always looking for the newest kick to give them a good feeling. Chasing fireworks I call that.

Whereas, I have nothing to my name, no savings at all and live with less than 3thousand francs monthly income, i think it is called hand to mouth living

Yet,I am totally happy! To have my loved ones, whether they are family or friends, around me and have a good time with them is all the firework I need in my life.


©sylv1999-2016
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