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Old 18.07.2016, 15:44
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CHF2,500 for disposable income

I'm trying to work out if a disposable income of CHF2,500 per month would lead to a nice/fun/enjoyable lifestyle for a family of 4 (2 adults, 2 under 5).


Rent, food, bills, insurances, mobiles, TV/internet, 1x car running costs and public transport. No childcare costs required.


This disposable income would be for clothes, haircuts, days out, holidays kids activities.


I'm thinking family brunch or lunch 1-2 times a month, swimming lessons for kids once a week, boat trip/zoo/parks/waterpark once a month, 1-2 camping weekends in Switzerland, 1 bigger holiday (Spain/Greece) per year and then 1-2 trips back to the UK. We'd also like to ski during the winter as much as poss (if the kids like it!).


We tend to be savers, but I'm not sure we'd get much in the way of savings from this?


I'd really appreciate sensible responses on whether this amount is decent or whether we'd feel restricted or on a budget.


if you have 2500 spare a month, how do you rate your lifestyle?
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Old 18.07.2016, 15:48
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Re: CHF2,500 for disposable income

By disposable, do you mean after you have paid rent, taxes, insurances, etc., or before?

Tom
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Old 18.07.2016, 15:54
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Re: CHF2,500 for disposable income

2'500CHF spare cash to spend for your whims and wants, sounds really good to me. You will still have to calculate and look for bargains and budgeting a little (Switzerland IS expensive) but you will be able to afford most of the stuff you listed easily. But, it also depends where you will end up, Geneva and Zurich are far more expensive than other cantons in regards to rent and daily life costs, so you should consider this too.

By comparison, I don't have to pay rent but all the rest one has to (incl. taxes) and my 2 girls and me live with 2'850.- income per month and we manage to get by.

Last edited by EastEnders; 19.07.2016 at 16:51.
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Old 18.07.2016, 15:55
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Re: CHF2,500 for disposable income

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By disposable, do you mean after you have paid rent, taxes, insurances, etc., or before?

Tom

Disposable should mean after.


cheers
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Old 18.07.2016, 17:11
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Re: CHF2,500 for disposable income

Yes I mean after tax and other unavoidable living costs....

We'd probably live somewhere between Vevey and Lausanne, so not cheap or so I hear, but I'm working on CHF4000 for 4.5p (hopefully)
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Old 18.07.2016, 17:22
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Re: CHF2,500 for disposable income

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Rent, food, bills, insurances, mobiles, TV/internet, 1x car running costs and public transport. No childcare costs required.


This disposable income would be for clothes, haircuts, days out, holidays kids activities.
You are grossly neglecting saving for retirement and for the education of your children later on.

The government run scheme is being sucked try by the current generation (first pillar = AHV); the "personal contribution scheme" is being sucked dry by the current generation (second pillar = BVG).

The third pillar at about CHF 6700/year is not enough of a saving to survive on in later years. So - do make sure that you will have enough money set aside.

Apart from that, I am confused about clothing and haircuts being optional.

But - if you have CHF 2500 available just for fun for a family of four, that makes it CHF 600 per person per month. That's very workable now (and only workable), but will get much more difficult once the children grow (up) and have to pay.

Depending on your target location it may go further or not. City in the Romandie? Expensive. Zurich? Expensive. Backcountry - where you camp in your own backyard, walk up the slopes during winter, have hiking as your favourite sport (and walk on bare feet ) - veeeery comfortable.

As everybody's life-style varies, nobody can tell whether your needs are matched. You can only find out by settling in and adjusting.
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Old 18.07.2016, 17:42
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Re: CHF2,500 for disposable income

OK, well I was trying to avoid the inevitable "is this salary good enough?" question.. but here's my workings:

Gross - 150kpa or 12.5pm
Net - 10,000
Rent - 4,000
Health insurance - 1,000
Mobiles x 2 - 200
TV/Internet - 200
Food - 1200
Electric - 200
Car (insurance/tax/fuel) - 600



that leaves 2,600 roughly each month



We wouldn't all need a haircut every month, nor would we all need clothes every month, so I've included them in the disposable income / fun stuff bucket... We can cut back on brunch if the kids need new shoes for eg.

As I said, we'd be somewhere between Lausanne and Vevey.


I know no one can tell me exactly but it's good to get a feel. We'll only have 1 income for the first little while so moving to one of the world's most expensive countries is a bit of a gamble to "settle and adjust" if quite frankly we haven't got a pot to piss in and our lifestyle deteriorates... For example, here in the UK, based on what I know, if a family of 4 had a disposable income of 250 then I'd say they would struggle to do what I mention above in a month, if they had 1000 they'd be absolutely fine.
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Old 18.07.2016, 17:44
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Re: CHF2,500 for disposable income

that sounds like a nice disposable income. Obviously on first arrival you will have various start up costs and takes time for price comparisons.

Eating at home for example a beef steak is more than UK, but a bottle of wine is lower.

Fresh fruit & vegetables are good quality, try to eat well seasonally.

Computers and the like, tend to get the top choice in Switzerland before UK and because of tax lower prices than UK.

There are a lot of out door activities in the summer to look out for.

ski-ing look for family deals to include cost of mountains. Resort prices do vary.

If you have a car, beware you will need a parking space, that has an extra charge. Be aware of speed limits. If you park in Blue Zone, be sure to display the Blue Card, or you are likely to get a ticket 90% of the time

Clothes - the price you pay is up to you, the sales are geniune.

If you have need of plumber/electrician/painter - the usual is that you also pay for traveling time. Some people are shocked when the bill arrives, but you need to take into consideration, they have expenses like everyone else in Switzerland.
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Old 18.07.2016, 17:52
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Re: CHF2,500 for disposable income

Why CHF 4k for rent?
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Old 18.07.2016, 17:52
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Re: CHF2,500 for disposable income

Thanks.

Start up costs are a good point - we have savings in the UK that could cover things if necessary (and maybe even a small income from our uk property, which I know we'd need to declare/pay tax on).

We have two incomes here in the uk and are used to being able to save a decent chunk and not really having to think about eating out or having a day out somewhere. Obviously we'd need to be more mindful in Switzerland being on just the one salary but if chf 2500 is going to allow us to enjoy a decent Swiss lifestyle then that's fine!
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Old 18.07.2016, 17:54
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Re: CHF2,500 for disposable income

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Disposable should mean after.


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SC
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Why CHF 4k for rent?
Seems about right according to homegate etc? Happy to stand corrected but we have pretty high standards. We'd want 3 bedrooms, 4 if we can get it.
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Old 18.07.2016, 17:55
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Re: CHF2,500 for disposable income

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OK, well I was trying to avoid the inevitable "is this salary good enough?" question.. but here's my workings:

Gross - 150kpa or 12.5pm
Net - 10,000
Rent - 4,000
Health insurance - 1,000
Mobiles x 2 - 200
TV/Internet - 200
Food - 1200
Electric - 200
Car (insurance/tax/fuel) - 600



that leaves 2,600 roughly each month



We wouldn't all need a haircut every month, nor would we all need clothes every month, so I've included them in the disposable income / fun stuff bucket... We can cut back on brunch if the kids need new shoes for eg.

As I said, we'd be somewhere between Lausanne and Vevey.


I know no one can tell me exactly but it's good to get a feel. We'll only have 1 income for the first little while so moving to one of the world's most expensive countries is a bit of a gamble to "settle and adjust" if quite frankly we haven't got a pot to piss in and our lifestyle deteriorates... For example, here in the UK, based on what I know, if a family of 4 had a disposable income of 250 then I'd say they would struggle to do what I mention above in a month, if they had 1000 they'd be absolutely fine.
You are spending 40% of your take-home on rent each month, some would say that is a bit too much. Your "disposable" income will not all be disposable once soda law kicks in and you have additional costs from unexpected places springing up.
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Old 18.07.2016, 17:56
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Re: CHF2,500 for disposable income

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Why CHF 4k for rent?
Also more than 30% of the income. I think the OP should revise his numbers or not worry at all: you have a very comfortable life with 150k.
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Old 18.07.2016, 18:00
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Re: CHF2,500 for disposable income

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Why CHF 4k for rent?
I imagine it is very difficult to find something that ticks the boxes and is nice whilst not costing the earth in rent.
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Old 18.07.2016, 18:05
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Re: CHF2,500 for disposable income

As I say, we're fussy! Happy to admit it and happy to go to 4K if that will still leave us with enough for a nice lifestyle. Also I'd rather spend more and get it right than hate where we live and disrupt the children by moving again.
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Old 18.07.2016, 18:05
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Re: CHF2,500 for disposable income

You will be fine
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Old 18.07.2016, 18:06
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Re: CHF2,500 for disposable income

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The government run scheme is being sucked try by the current generation (first pillar = AHV); the "personal contribution scheme" is being sucked dry by the current generation (second pillar = BVG).
You really don't have a clue, there is no connection between 1st & Second Pillar at all. The 1st Pillar has no financial claim on 2nd pillar funds.
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Old 18.07.2016, 18:06
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Re: CHF2,500 for disposable income

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As I say, we're fussy! Happy to admit it and happy to go to 4K if that will still leave us with enough for a nice lifestyle. Also I'd rather spend more and get it right than hate where we live and disrupt the children by moving again.
You don't intend to save anything each month? I can't see that calculated into your figures...
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Old 18.07.2016, 18:07
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Re: CHF2,500 for disposable income

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Seems about right according to homegate etc? Happy to stand corrected but we have pretty high standards. We'd want 3 bedrooms, 4 if we can get it.
Where are you looking? Could you post a homegate link of something that fits your criteria?
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Old 18.07.2016, 18:18
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Re: CHF2,500 for disposable income

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Where are you looking? Could you post a homegate link of something that fits your criteria?


http://m.anibis.ch/fr/immobilier-imm...&aral=865_4.0_


Though this also looks nice under budget: http://m.anibis.ch/fr/immobilier-imm...&aral=865_4.0_

http://m.anibis.ch/fr/immobilier-imm...&aral=865_4.0_

I've been scouring homegate, anibis and immoscout for weeks!!
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