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Old 31.08.2011, 11:33
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Sometimes Change Is Not Good

Prior to relocating to CH from the US, I used to complain when I would receive a significant amount of change (over ten dollars) in one dollar bills. Those bills stacked up too thickly and were cumbersome to keep neatly in my wallet.

Now here I am in CH, land of the missing one- and five- CHF notes, and my wallet weighs about five kilos! When paying at the shops, I reflexively grab the notes from my wallet (rather than count out change), and get left with even more change. Tried to get rid of a load of it purchasing bus tickets for the family, and got evil looks from those standing around waiting to purchase their own tickets because we were taking too long. Coins under 20 centime seem to be useless in any machine.

Having all change under 10 CHF given in coin also somehow makes it feel as if one is plowing through his or her hard-earned cash much too quickly, since one generally looks only at the notes in the wallet to determine if it is time to go to the ATM.

At least I have a purse in which to slog it around. I feel for the gents with no man-purse and nothing but their pockets to dump it into.
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Old 31.08.2011, 11:36
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Re: Sometimes Change Is Not Good

Did you ever think of paying with your debit card?
That is possible in about all shops here.
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Old 31.08.2011, 11:37
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Re: Sometimes Change Is Not Good

I get you completely...but my kids love it when Grandma arrives and slips them 'the change'...in Australia the $1 & 2$ coins are gold colour, so the kids only get the 'silver' - same rules in Switzerland and my children are making a mint out of their Grandma...
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Old 31.08.2011, 11:49
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Re: Sometimes Change Is Not Good

I usually use the coins to buy a coffee (they usually appreciate the coins instead of a bill).

They are also useful for the ticket machine when I need an extension ticket to go visit my friends that live outside of Zone 10 in Zurich.

My husband usually dumps his change into my coin purse at night when his wallet is getting too weighty. Then he says have fun having coffee with the girls.

Before getting married, I used to dump all of those coins into a jar at the end of the day... you have a few hundred saved in no time at all, and they can pay for a nice little splurge... like SHOES! Or, you know, whatever floats your boat.
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Old 31.08.2011, 11:51
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Re: Sometimes Change Is Not Good

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Did you ever think of paying with your debit card?
That is possible in about all shops here.
Are you sure?

I was under the impression that all transactions were cash-basis here in this private-banking capital of the world.

Thanks for setting me straight.
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Old 31.08.2011, 11:57
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Re: Sometimes Change Is Not Good

Australia is even worse for that! the 50c piece is the biggest unit and the $2coin is like an ultra thick and heavy US Nickel. You have to wear a belt when you have change in your pockets.

One Positive: Your Piggy Bank will seem to be on steroids by the end of the year.
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Old 31.08.2011, 11:58
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Re: Sometimes Change Is Not Good

It's funny, because compared to UK coins, I actually think I always have much less change in Switzerland. There are no 1 or 2 rappen coins, compared to the large 2p coins in UK. Things aren't priced 99p, so you don't have a pile of pennies. It's more efficient here.
Not having these small coins, means that its easier to use the right change in your wallet. So even though the 5Fr coins are big - they are easy to find and spend.
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Old 31.08.2011, 12:07
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Re: Sometimes Change Is Not Good

You can ask for special papers at the post and make 'rolls' of coins that you can then bring to the postoffice and change for notes. For instance, a roll of 50 cent. Coins is worth 25.-.

The shops then use those rolls for the cashiers, so that they have change available for the customers.

I remember that my mum was always keeping her change and preparing her rolls every month or so. It was her way of saving money for an occasional splurge.
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Old 31.08.2011, 12:19
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Re: Sometimes Change Is Not Good

Everyday, I put anything less than 1.- in a tin. Last time we cashed it in, it was 2/3 full and had over 100.- in it
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Old 31.08.2011, 12:27
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Re: Sometimes Change Is Not Good

I generally get rid of mine in a shop or bar when it's quiet - it's a bit difficult when a place is busy.

99 times out of a 100 the question "Brauchen Sie Kleingeld" is met with quite some enthusiasm, and I end up with nice compact 10, 20, or as once happened 50 note.
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Old 31.08.2011, 13:40
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Re: Sometimes Change Is Not Good

I take all Fr. 5.00 and 2.00 coins out of my purse regularly and stash them away. Amazing how quickly those new jeans or that new blouse is paid for without me feeling like I've actually really and truly "spent" anything
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Old 31.08.2011, 13:44
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Re: Sometimes Change Is Not Good

I wish the 10 and 50 rappen coins were more different to easily tell them apart when fumbling in my Portemonnaie.
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Old 31.08.2011, 13:48
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Re: Sometimes Change Is Not Good

I try to spend all my change, there's something strangely satisfying about finally getting rid of the bloody 5pn coin that's been sitting in your pocket for weeks because it didn't have a companion.
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Old 31.08.2011, 14:02
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Re: Sometimes Change Is Not Good

It is one of the best parts about Switzerland!!

I have always considered my "savings account" the coins in the bottom of my bag at the end of the month when poverty time hits.

It goes a lot further these days, especially with the 5CHF.

Best invention ever.
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Old 31.08.2011, 14:06
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Re: Sometimes Change Is Not Good

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I wish the 10 and 50 rappen coins were more different to easily tell them apart when fumbling in my Portemonnaie.
Glad it's not just me that struggles with the difference between some of those smaller coins. I thought I was turning into my grandmother...
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Old 31.08.2011, 14:20
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Re: Sometimes Change Is Not Good

I can also tell you (because, cough, someone else tried it) that 5 cent pieces from Australia do not work in vending machines as a substitute for 50 rappen.
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Old 31.08.2011, 14:48
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Re: Sometimes Change Is Not Good

My (British) OH did that at first- but now he is more confident with both language and currency - he regularly uses his change and his wallet has slimmed down considerably (sadly in more ways than one £/CHF)
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Old 31.08.2011, 15:12
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Re: Sometimes Change Is Not Good

I have two suggestions:

a) Buy a 'smaller' wallet
This prevents you from carrying around change you don't need.

b)Invest in one of these:




I put ALL my change in a box at the end of the day. I have a seperate bank account that I throw all the coins into.
This becomes my CHRISTMAS AND NEW YEARS EVE FUN ACCOUNT.

At first you notice how often you head to the ATM, so then it eventually slows down the amount of money you withdraw.

The discipline lies in NOT touching your fun account........ but then again, hey - if you're stupid enough to rip yourself off a few beers at the end of the year that's your own stupid fault.

(Hot tip - Credit Suisse at Seefeld has a 'coin' machine. Dump your coins in that (provided you have an account) and the amount is automatically put onto your nominated account).

As an Aussie, I agree with everyone here....... the 5chf coins spun me out when I got here, and I still get the 50rappen coins confused* with the 10rappen (the tip here is that one has rough edges))

*confused when drunk at a pub with poor lighting that is
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Old 31.08.2011, 15:16
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Re: Sometimes Change Is Not Good

This definitely took a few months for me to get used to. I use a money clip and change just goes randomly in the pocket.

A change jar at home collects the day's end coins, and in the morning I count out enough for exact change of lunch, dinner and a few coffees inbetween (keeping 20 rp coins for the laundry machine). Super lame, I know, but the system developed itself and seems to be working well.

Kinda miss back home where I could go months without ever using cash. Absolutely everything on the mastercard...if they didn't take mastercard, I didn't shop there.
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Old 31.08.2011, 15:17
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Re: Sometimes Change Is Not Good

I thought men purposefully carried a lot of change in their pockets to make their "packages" look bigger...
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