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Old 04.06.2011, 08:39
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Please can you glance at my figures (living costs in Basel)?

Hi All,

I am wanting to make an informed decision about relocating from UK (London) to BS. Having looked at the FAQs I have worked out my net pcm and compared to my current UK net pcm and then taken off my current outgoings. Also looked at the cost of living threads to get an idea. I have put it into one spreadsheet to see if it is a sound financial move (on top of a sound personal move!).

We are 3 (2 adults, 1 young child), wanting a 3 bed apartment in BS, Homegate seemed to show some decent places on the suggested budget below.

My question, are we in the right ball park for the rest for 3 and my example situations? Is there anything significant missing?

I am surprised as it is not too dissimilar in total (15% more), I guess the remaining spent on unknown items; clothes shopping, day trips away etc. will add to the disparity.


Health Insurance Travel Internet Rent Bills (E,G,W) Food shopping school Bars (4 drinks a week) Café (4 coffees + nibbles a week) Lunch (2x week) Dinner (2 pcm) Total CHF Total CHF BS CHF PCM 500 120 75 3500 500 1500 500 120 240 240 120 7415 7415
HI Travel (petrol + my car) Internet Rent Bills (E,G,W, CT) Food shopping Child care

Thanks is advance.



Ah looks like need to contribute more to edit. The table worked in the reply box, but clearly not in the preview...

I have uploaded a PDF and tried to format below. I guess I failed

BS CHF PCM
Health Insurance 500
Travel
Internet
Rent
Bills (E,G,W)
Food shopping
school
Bars (4 drinks a week)
Café (4 coffees + nibbles a week)
Lunch (2x week)
Dinner (2 pcm)
Total CHF
Attached Thumbnails
please-can-you-glance-my-figures-living-costs-basel-table.jpg  
Attached Files
File Type: pdf BS Cost of living.pdf (20.5 KB, 710 views)

Last edited by jrspet; 04.06.2011 at 09:03.
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Old 04.06.2011, 09:03
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Re: Hi from hopefully Basel...

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I have been lurking on here consuming info and thought it is time to register and contribute.
And then this post on here.

It's probably not a good weekend for asking for help as quite a few people have a break from Thursday, Ascension Day, through till Monday and might not be in the mood for extra homework.

Wish you luck anyway.
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Old 04.06.2011, 09:12
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Re: Hi from hopefully Basel...

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It's probably not a good weekend for asking for help as quite a few people have a break from Thursday, Ascension Day, through till Monday and might not be in the mood for extra homework.

Wish you luck anyway.
OK thanks for the info and editing my post - D'Oh.

To be fair it is tricky to add value to EF when your a newbie Padawan!

My top tip for others if they do read this is Homegate has a great iphone app if weren't aware.
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Old 04.06.2011, 09:17
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Re: Hi from hopefully Basel...

And a very merry Ascension weekend to you all.
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Old 04.06.2011, 09:18
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Re: Please can you glance at my figures (living costs in Basel)?

'Twas another Mod who edited your post. I can't take the thanks for that.

I'm just one of the others, the one who chides members as if they were naughty children (which they sometimes very much resemble).

Last edited by Longbyt; 04.06.2011 at 17:27.
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Old 04.06.2011, 11:04
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Re: Please can you glance at my figures (living costs in Basel)?

Hi Badgerman,

A few quick points hopefully others can continue to help.

Health insurance UK - shouldn't your national insurance contributions go in here rather than this being zero (or are you including this in a tax section that we don't see here - tax will obviously be an important factor?).

Swiss TV - does your value include Billag? - this is the tv license here in Switzerland 460CHF per year(per household). 75CHF per month would be a reasonable value without the billag included.

Drinks Switzerland - looks a reasonable value in a city for about 7CHF a drink.

You should also factor in how strong the currency is here in Switzerland at the moment into any long term plans. This to be honest could be a make or break for you if financial reasons are the main reason for moving as the change in exchange rate could have massive impact on all of the calculations.

I wouldn't get too hung up on costs and make sure you think about all the other good (and bad things) that impact on any move to Switzerland.

Good luck and I hope others can add value to your calculations as I have just picked out a couple of quick things I noticed. I would possibly include some info on your decisions such as why 500CHF for school here in Switzerland (as public school would be free here and I would reccomend this for your child if you were staying for any length of time, schools are pretty good here and would help your child integrate in a public school). Extra info on your decisions will help others give their info on prices.

Travel seems pretty cheap for 2 adults at 120CHF per month - not sure on costs for pass in Basel though?
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Old 04.06.2011, 11:05
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Re: Please can you glance at my figures (living costs in Basel)?

Generally looks reasonable, I cant help on school costs as I dont have any children. Your eating out dinner is a little low unless you want to go fo a pizza, an Indian meal in Basel will be twice your budget, however OK for Germany.

Having lived here with various exchange rates from 2.60 to the £ & lower, I think general buying power is about 2CHF to the £, Switzerland seems very expensive now, however it seemed a bargain above 2.40!

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Hi All,

I am wanting to make an informed decision about relocating from UK (London) to BS. Having looked at the FAQs I have worked out my net pcm and compared to my current UK net pcm and then taken off my current outgoings. Also looked at the cost of living threads to get an idea. I have put it into one spreadsheet to see if it is a sound financial move (on top of a sound personal move!).

We are 3 (2 adults, 1 young child), wanting a 3 bed apartment in BS, Homegate seemed to show some decent places on the suggested budget below.

My question, are we in the right ball park for the rest for 3 and my example situations? Is there anything significant missing?

I am surprised as it is not too dissimilar in total (15% more), I guess the remaining spent on unknown items; clothes shopping, day trips away etc. will add to the disparity.


Health Insurance Travel Internet Rent Bills (E,G,W) Food shopping school Bars (4 drinks a week) Café (4 coffees + nibbles a week) Lunch (2x week) Dinner (2 pcm) Total CHF Total CHF BS CHF PCM 500 120 75 3500 500 1500 500 120 240 240 120 7415 7415
HI Travel (petrol + my car) Internet Rent Bills (E,G,W, CT) Food shopping Child care

Thanks is advance.



Ah looks like need to contribute more to edit. The table worked in the reply box, but clearly not in the preview...

I have uploaded a PDF and tried to format below. I guess I failed

BS CHF PCM
Health Insurance 500
Travel
Internet
Rent
Bills (E,G,W)
Food shopping
school
Bars (4 drinks a week)
Café (4 coffees + nibbles a week)
Lunch (2x week)
Dinner (2 pcm)
Total CHF
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Old 04.06.2011, 11:48
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Re: Please can you glance at my figures (living costs in Basel)?

You say your child is young. As in pre-school age?
In the long term this might be one of the key issues- public kindergarten and school are free but the timetable is geared towards a stay-at-home Mum or Dad. They can start early and finish early and come home for lunch, half days, holidays when the parents don't have any etc. There are solutions but these can be costly.
It may not be an issue at first but it certainly would be if you both want to work eventually.
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Old 04.06.2011, 13:34
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Re: Please can you glance at my figures (living costs in Basel)?

All - thanks so much for useful thoughts. Will thank when allowed to!

To answer a few Q's.

I have our current net salary (tax, pension, NI) and estimated Swiss net salary (tax, pension, insurance) then taken off these big and regular outgoings from each.

Yes will add TV license.

Good point re conversion rate, I guess it is the amount left at the end of each month that counts in each currency. So if do use the 1:2 conversion UK is actually a bit more actual costs than Switzerland, surprises me that?

Plan is medium/long term & yes young child and get International school subsidy hence the 500chfs pcm. Seen a few comments about sticking local for language, integration and and long term stability. No need to to decide now, but keen to have financials covered if do decide the pay option.

Travel is 2 passes which I thought was about 60pcm?, but perhaps should add Mobility for shopping in France/Germany trips out and train discount and fairs. say 250Chf pcm for travel for 2 adults.

Having a young child means unlikely going to anything posher than early pizza or curry for meals.

Its lots to consider, but I am keen to have realistic numbers before making the leap.

The living and working in Switzerland book arrived from amazon this am...
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Old 04.06.2011, 14:24
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Re: Please can you glance at my figures (living costs in Basel)?

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Good point re conversion rate, I guess it is the amount left at the end of each month that counts in each currency. So if do use the 1:2 conversion UK is actually a bit more actual costs than Switzerland, surprises me that?
.
I was in London last week & I felt the UK was really very cheap @1.40, 2.00 seemed about right. Living in Basel can save you quite a bit with shopping in France & Germany. Cars are expensive in CH however the insurance will be less than in London for sure.
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Old 04.06.2011, 14:28
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Re: Please can you glance at my figures (living costs in Basel)?

Not that much but, you have missed out your annual liability insurance.

All else looks reasonable except I fear your Bar Dinner bills will be higher
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Old 04.06.2011, 14:39
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Re: Please can you glance at my figures (living costs in Basel)?

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Plan is medium/long term & yes young child and get International school subsidy hence the 500chfs pcm.
Not sure how much of a subsidy you get, but 500.- pcm seems low for an international school. I pay around 30K to 40K per year (tuition, lunch and after school care).
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Old 04.06.2011, 21:40
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Re: Please can you glance at my figures (living costs in Basel)?

30-40k blimey. It is 75% so guess better increase that allowance.

Will check out the liability insurance.

Not much left after this lot now...
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Old 07.06.2011, 14:28
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Re: Please can you glance at my figures (living costs in Basel)?

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30-40k blimey. It is 75% so guess better increase that allowance.

Will check out the liability insurance.

Not much left after this lot now...
The Liability insurance for you and the family, depending on a few small variables, is at most a couple of hundred bucks. Budget 20 a month and you'll be over. It's not a big cost but one none the less for your sheet....
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Old 07.06.2011, 15:07
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Re: Please can you glance at my figures (living costs in Basel)?

Heya badgerman, awesome effort in putting those numbers together. You got most of the items in there. I noticed that you've put in 1500CHF pcm for food? That really is pretty generous for a family of 3.

With bargains, you might be able to shave a bit off that for other stuff. Have a look at the supermarket websites (migros and coop) and do a trial food shopping run of stuff you will get each week to get a rough idea. Some expats pop into Germany from time to time and that shaves off more as well - especially if you are in Basel which is just next door.

Have you seen this thread? Might come in handy:

Cost of living - help needed to get it right

Good luck and welcome in advance.
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Old 07.06.2011, 15:31
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Re: Please can you glance at my figures (living costs in Basel)?

Most bills can be paid monthly, q'ly or annually. This usually results in savings. For example if you buy an annual tram pass, you get two months free. However, this does mean that you need high liquidity, as the year always runs Jan-Dec, so you need lots of cash around this time of the year.

Agree that 1500 CHF is very generous. We (fam. of 5) budget 1140 CHF. In Basel you can really benefit from cross-border shopping - double whammy of cheaper food and tax back. There's several threads on that where you can get practical advice.

What about motoring?

As for school, go local.

HI seems low. We pay ~2750 per quarter. About 1000 CHF per adult an 250 per child. So 600 may be closer. Again, that includes a discount with Q'ly payment and franchise/excess of 1500 CHF. For children you pay 10% of all fees.
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Old 07.06.2011, 16:31
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Re: Please can you glance at my figures (living costs in Basel)?

Based on my current experience of 2 adults and 1 child:

BS CHF PCM

Health Insurance = 650 CHF for all 3 (includes max deductible for adults) pm

Travel = 70 CHF per person for monthly tram pass for entire Basel Region (you can pay for entire year and get 2 months free)

Internet + Bluewin (Cable TV) + Landline from Swisscom = 95 CHF pm

Rent = You get to Basel Land (country side) and shoot for less 3000 CHF pm Rent for more than 100 m2 space across total 4.5 rooms. Reinach, BL is a good expat location to start and the rents are 3000 CHF pm.

Bills (E,G,W) = covered in other areas.

Food shopping = 300 - 400 CHF per month by combining your shopping across Marktkauf, Germany and Co-Op / Migros / Denner or Aldi.

school = Go local with your neighbourhood schools.

Bars (4 drinks a week) = 100 CHF

Café (4 coffees + nibbles a week) = 120 CHF

Lunch (2x week) = 20 per person for one meal

Dinner (2 pcm) = 30 per person for one meal

Liability Insurance = 100 per year

Billag = 385 per year

Car Insurance = Depends on your car

Car Tax per year = Depends on your car

Cell Phone = 35 pm but depends on what you want.

Total CHF = You can do the math.

Last edited by The Real Stig; 07.06.2011 at 16:43. Reason: text
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Old 07.06.2011, 18:21
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Re: Please can you glance at my figures (living costs in Basel)?

(thanks to the previous poster...)

Based on my current experience of 2 adults and 4 children (7 y, 7y, 4y, 1.5y), and calculated back to a family of 2 adults and 1 child of 4y:

BS CHF PCM

Health Insurance = 800 CHF for all 3 (includes max deductible for adults, and extra coverage in case you want more kids and some other bennies like free choice of medic and world coverage) pm

Travel = 70 CHF per person for monthly tram pass for entire Basel Region (you can pay for entire year and get 2 months free). Or go by bike, its free as well.

Internet + Bluewin (Cable TV) + Landline from Swisscom = 140 CHF pm

Rent = We rent a 4.5 room 120 m2 appartment for less than 2500 CHF pm.

Bills (E,G,W) = covered in other areas.

Food shopping = 400 - 500 CHF per month by combining your shopping across Marktkauf, Germany and Co-Op / Migros / Denner or Aldi. Just take into account that you need a car if you really are serious about doing shopping in Germany.

school = Go local with your neighbourhood schools.

Bars (4 drinks a week) = 100 CHF

Café (4 coffees + nibbles a week) = 120 CHF

Lunch (2x week) = 20 per person for one meal

Dinner (2 pcm) = 30 per person for one meal

Liability Insurance = 100 per year

Billag = I am not sure. I think in BL it is actually 300/4months.....

Car Insurance = 800 per year for a small car

Car Tax per year = 800 per year for a small car, depending on canton and car.

Cell Phone = 35 pm but depends on what you want. With Swisscom you can call for free between 3 cell phones and your land line for an additional 20 pm.
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Old 20.06.2011, 22:15
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Re: Please can you glance at my figures (living costs in Basel)?

Thank you everyone and apologies, I had not noticed the additional responses.

All really helpful to try and get it right.

I think we are resigned to getting a car now for cross border shopping, w/e day trips etc.

I was thinking of a Skoda Octavia or similar, have seen some links for insurance advise. Shame that they seem to be 30% more in CHF than GBP on quick scan and comparison. But guess like everything it is more...

I have added 400chf pm for running the car. I was hoping can get something OK for our purpose for 20k chfs ~4years old.
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Old 22.06.2011, 14:05
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Re: Please can you glance at my figures (living costs in Basel)?

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I was thinking of a Skoda Octavia or similar, have seen some links for insurance advise. Shame that they seem to be 30% more in CHF than GBP on quick scan and comparison. But guess like everything it is more...

I have added 400chf pm for running the car. I was hoping can get something OK for our purpose for 20k chfs ~4years old.
You can get a decent 2006 Skoda Octavia 1.9 TDI with 105k km for around CHF 12000 (autoscout24.ch). A decent insurance (AXA Winterthur) would be around CHF 1000/y, of course depending on your preferences for coverage, your age, sex, and living area. In Baselstadt, the taxes for that car would be lower than CHF 500/y, based on the engine.

Last edited by hjj_74; 22.06.2011 at 14:15.
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