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Old 23.08.2011, 09:00
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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Can you really do grocery on 1000 for the month? We have been here about 10 days and find that we spend about 100 - 140 CHF every 2 days and we aren't buying anything fancy. Have had homemade pizza a couple times, spag with meat sauce a couple times (and not a lot of meat ) etc. I am hoping that I will figure out the system and score the deals (did get some buy 1 get 1 free ones last week at the coop). But I am wondering if 2000 a month will be enough for our family of 5 (but really, those little kids don't eat a ton, yet).

So fellow EFers, is 1000 a month valid for a family?

See, that's your problem, you bought meat

Where did you buy it, did you go to the supermarket or the animal shelter ?

Also, count around 100 chf a day for sending (one) kid to the 'kinderkrippe'
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Old 23.08.2011, 09:02
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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We're doing a golf day with Bombardier next week, if you're there say hello.
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Old 23.08.2011, 09:54
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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See, that's your problem, you bought meat

Where did you buy it, did you go to the supermarket or the animal shelter ?

Also, count around 100 chf a day for sending (one) kid to the 'kinderkrippe'
don't worry - I got that special on Rinderhackfleisch from Coop last week - 855 grams for 8.50 CHF or something like that - it was a bargain at less than 1 CHF per 100 gram. And we split it into 3 portions, the other two awaiting us in the freezer. I am telling you - I think this will really help me with my diet and I will be scanning those deals of the week!
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Old 23.08.2011, 10:10
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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don't worry - I got that special on Rinderhackfleisch from Coop last week - 855 grams for 8.50 CHF or something like that - it was a bargain at less than 1 CHF per 100 gram. And we split it into 3 portions, the other two awaiting us in the freezer. I am telling you - I think this will really help me with my diet and I will be scanning those deals of the week!

Will be funny, tell someone in the US you got a $200000 salary (taxed at a very low rate) and you're clipping coupons from the supermarket
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  #65  
Old 23.08.2011, 10:22
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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If you are willing to share your apartment with three other families (one room each), then yes! otherwise, No!
One room each?! Eee! Luxury! When I moved 'ere we had to use the bed on a rota. Most of us slept standing up. The lucky ones used to sleep in the wardrobe.
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Old 23.08.2011, 10:55
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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don't worry - I got that special on Rinderhackfleisch from Coop last week - 855 grams for 8.50 CHF or something like that - it was a bargain at less than 1 CHF per 100 gram. And we split it into 3 portions, the other two awaiting us in the freezer. I am telling you - I think this will really help me with my diet and I will be scanning those deals of the week!
When I first got here and didn't know where to shop, didn't know my way on the trams and such, lived with m-i-l so if I wanted something special had to go shopping about every 2nd day, I lost something like 16kg without even trying.

Now I know my way on public transport and know where to shop cheaply, we (should) have more money to spend on more frivolous things but I gained back some of that weight.


As others have said, shop at Aldi, Lidl and Denner and / or over the border in Germany if you can - as an example, a nice pork tenderloin here at Aldi is about 17chf, at Coop is about 23chf and at the Aldi in Germany it is about 6euro.

For just hubby and I we can get most of a week's shopping over in Germany for 60euro, then I get supplemental things here and probably spend another 100chf per week. IF I got fresh veg there too we'd probably come out a bit less but while I'm okay with frozen veg and run-of-the-mill meats (I'd hazard to say that even the cheap cuts are healthier here than they are at some of the discount grocers in the US), I'm a bit more picky about fresh veg. We're both "big eaters" though so I imagine that if you shop like that, groceries with even three little ones will likely not even be half again what we spend.
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Old 23.08.2011, 11:18
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

So... 155 000 is the new 120 000 ?
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Old 23.08.2011, 11:26
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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As others have said, shop at Aldi, Lidl and Denner and / or over the border in Germany if you can - as an example, a nice pork tenderloin here at Aldi is about 17chf, at Coop is about 23chf and at the Aldi in Germany it is about 6euro.
Seriously?
We are talking about 155 000 here, not 55 000.

The OP will do just fine without having to shop at Denner.

Switzerland is "different", since 155k CHF here doesn't really buy you the privilege of feeling rich as it would do pretty anywhere else, but it's nowhere near as bad as some suggest.
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Old 23.08.2011, 11:52
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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don't worry - I got that special on Rinderhackfleisch from Coop last week - 855 grams for 8.50 CHF or something like that - it was a bargain at less than 1 CHF per 100 gram.
For the budget conscious, the Coop near Brausebad had a whole fridge full of those on 50% aktion last night. So around 4Fr. If only I had a freezer bigger than a shoebox which wasn't already full of ice cream.
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Old 23.08.2011, 12:25
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

Yup, only in Switzerland will you get money-saving and discount-shopping tips for a family on 155K
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  #71  
Old 23.08.2011, 12:55
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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Seriously?
We are talking about 155 000 here, not 55 000.

The OP will do just fine without having to shop at Denner.

Switzerland is "different", since 155k CHF here doesn't really buy you the privilege of feeling rich as it would do pretty anywhere else, but it's nowhere near as bad as some suggest.
I realize that the person I quoted was NOT the OP but as it is a question that comes up, even from folks who ARE making 155000 but putting their kids in private schools, I thought it wasn't a bad idea to answer the question anyhow.

I know if it were me making 155000, I'd go for an expensive abode (like a house with some land so I could have a dog or three, far enough out of town that a vehicle or two is a must, along with those expenses as well) and still do some cheap grocery shopping as I can make some tasty food but it's a lot harder to turn "less than ideal" living quarters into something they're not.
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Old 23.08.2011, 13:48
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

Having lived in CH in the recession started and my income got chopped to the 7800 net that the unemployment guys give you but still with the expenses that come with a much larger salary and a level of debt that I still can't work out I would say that my family of 5 rapidly learned the value of a single franc again.

Gone was ANY kind of eating out. 80 CHF for three pizzas split 5 ways and two glasses of wine was no longer possible.

IN, more than anything, came Aldi. I am also quite prepared to say, that between Aldi and popping over to Germany once a month for the shampoo / meat / nappies etc we managed to survive until I found work overseas.

The Aldi weekly shop my wife got it down - family of five - to 120 CHF a week along with a monthly EUR 100 in Germany.

YOU CANNOT WALK AROUND COOP and sling stuff in your basket the way you would in Tesco's or Target. I once saw sliced meats, just an 'italian meat selection', IIRC all up 150g (one hundred and fifty) and for 100 francs. 1,000 CHF a kilo! It was later on special at 50 francs. I bet the only way they sold any (outside of the gold coast) was by people putting it in their shopping basket without realizing, or even thinking it could be that much...
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Old 23.08.2011, 14:31
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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Having lived in CH in the recession started and my income got chopped to the 7800 net that the unemployment guys give you but still with the expenses that come with a much larger salary and a level of debt that I still can't work out I would say that my family of 5 rapidly learned the value of a single franc again.
7800 (net!) and struggling? :O
Well I'd say you were/are living beyond your means.

Rules in Switzerland are pretty straightforward, so you always know what you can end up with in an emergency situation (80% of salary from ALV) and plan expenses accordingly. It's also a good idea to have enough liquidity to cover any medical expenses up to the required levels for your entire family.
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Old 23.08.2011, 15:07
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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See, that's your problem, you bought meat

Where did you buy it, did you go to the supermarket or the animal shelter ?
I have given up meat - not because of any beliefs, simply because the meat here is terrible and is far too expensive. I have friends who have had border hassles when bringing food from France or Germany.

I will search this site to check on hunting permits. Rabbit is very tasty!
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Old 23.08.2011, 15:18
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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I will search this site to check on hunting permits. Rabbit is very tasty!
Wait till you've had Ibex!! Although to be fair, having a rough idea what it takes to get a hunting licence, it will take some time before you shoot an Ibex.
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Old 23.08.2011, 15:19
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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7800 (net!) and struggling? :O
that's just 1560 per person. wouldn't you also struggle on 1560 per month?
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Old 23.08.2011, 15:19
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

It all depends on your expected standard of living. Have you visited Zürich with your family? You should do that asap if you're seriously considering the move. See what kind of place you'd be able to afford, look at the prices in the grocery store, etc.

155000 with two kids would be impossible for some, but possible for others. It will involve scrimping. Childcare is hellishly expensive and insurance is also quite pricey.

As for towns - we live in Nänikon near lots of cows and horses and fields and love it. Takes us both about 40 minutes door-to-door, which is shorter than it takes some people who live within the city of Zürich. Good luck!
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Old 23.08.2011, 15:46
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

Ok guys, lets just get real about this. 155.000 CHF is more than what most families in Switzerland live on - and believe it or not, people here are not starving to death - in fact you have to look quite hard to find them begging - let alone sleeping in the streets.

If there are people here who don't manage to live of 155.000 than - I'm sorry - that's their problem. Sure, there will always be some earning more. But my partner and I are living on a fraction of that and guess what. We are still eating meat - and going skiing - and manage to fly to Australia and visit family.

Who is talking about childcare? If that's their only salary (i.e. his partner is not working) than I hope they won't need childcare. If she does decide to work - then surely you'll have extra to go towards childcare.

I agree, living in central Zurich is expensive - very expensive in fact. But it's also a livestyle choice. Do you need to be in the centre of town? We are a 20min train ride away and we are right next to the like, beautiful little town, 5min walk to shops and rent is quite reasonable. In fact cheaper than what we paid in Australia. Oerlikon is easily accessible from many places without too much trouble - so you can happily live a bit outside the city and have some space for the kids to run around and grow up. Either side of the lake, around Uster or Buelach - even Aargau or southern Germany if you like. The locals do it too ;-)

If you do decide to live in central Zurich, ask yourself whether you really need a car. Public transport is excellent and really quite comfortable. Most people in the city get by without one for the vast majority of their lives. If you need to get furniture or wanna do a weekend trip, there's always Mobility.
The Swiss schooling system is very good indeed and socially it may well be better for the kids to mix with some locals (scary as they may seem). Private schools are a complete luxury.

Yes, food is more expensive than in the US or England but if anyone says you will be "struggling" than it's been far too long since they've been in touch with the real world.
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Old 23.08.2011, 16:03
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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that's just 1560 per person. wouldn't you also struggle on 1560 per month?
Hmmm... let me think. Nope!

We do pretty fine spending a bit less than that per person for ALL regular and basic expenses and then have lots left for traveling or buying useless crap ;-). If trouble comes, we just cut off the useless crap part.

There are some universal rules of budgeting, such as the housing cost not exceeding 25% of income and 10-20% saved every month. Works great in most cases.
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Old 23.08.2011, 16:05
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Re: I have a job offer of 155.000 CHF per year. Can I live with that money in Zurich?

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155000 with two kids would be impossible for some.
I don't think the people who would find this impossible would in fact starve to death if they downsized a bit.
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