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Old 01.09.2011, 09:48
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Re: How much can you save in Switzerland?

I am on a (much!) lower salary than you and I manage to save minimum 1000 a month. How? I live with a partner so I share a flat. I live in one of the villages close to Zurich so I save a bit on rent and get more space (though of course transport costs are slightly higher, but if you invest in a GA, it doesn't matter). I cook dinner everyday, except for a take away night, and I go to a low-end, usually Asian restaurant once a month where you can buy a meat dish and not sob over it because of the cost. I pay the lowest possible premium for health insurance but make sure I have 2500 chf saved (the amount up to which I have to pay should something happen). I do things at the weekend which cost very little or nothing at all. Supermarket bills are between 400-500 chf from Migros (except for frozen chicken breast packets which are cheaper from another supermarket) and I DO eat a bit of meat everyday (look for discounts). I also often have lunch on the go, but spend aboout 10-15 chf maybe three times a week (the rest of the time I have dinner left overs).
Of course, for stuff like travelling, clothes, hairdresser and health expenses, I have to tap into the money I have saved. What I suggest is, over the months, come up with an amount you're comfortable spending. Withdraw it at the beginning of each month and stick to it! I almost always manage
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  #22  
Old 01.09.2011, 09:55
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Re: How much can you save in Switzerland?

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Of course, for stuff like travelling, clothes, hairdresser and health expenses, I have to tap into the money I have saved.
Woe is me. I always thought, being nave, that 'savings' were what you managed to have over when you had paid ALL the bills, not just the basic housekeeping ones.
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Old 01.09.2011, 09:56
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Re: How much can you save in Switzerland?

I think you'll find that you live differently than in Yorkshire. Forget eating out 2x a week unless you mean fast food - restaurants are generally expensive for OK-ish quality although you can get lunch specials.

The price of meat is horrible BUT I discovered the ground beef in a bag (looks more like dog food than human food) at Migros is really good 100% beef.. you can buy a bag of it for 5-6 CHF and make little burger patties and they are really really good just fried in the pan.

This is the French equivalent to "steak hache" which I have never been able to replicate in the UK. I don't know why it just doesn't taste the same even with 100% ground beef in the UK. I was delighted to figure out that it DOES in Switzerland so you CAN eat beef every week for about 5CHF a head

You'll find little tricks. I think its easier to save in the UK because there is far less temptation to spend!
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Old 01.09.2011, 10:02
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Re: How much can you save in Switzerland?

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Woe is me. I always thought, being nave, that 'savings' were what you managed to have over when you had paid ALL the bills, not just the basic housekeeping ones.
True, but I was trying to explain how much I save per month. I don't buy clothes every month nor go to the hairdresser so often. Health expenses are totally unpredictable, and so are clothing costs, so I can't give a reasonable estimate on that.
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Old 01.09.2011, 10:05
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Re: How much can you save in Switzerland?

Which is why, before Mr L retired, we checked ALL our expenditure for a couple of years so that we could see where the money was going and how much of our savings we would be using each month when the earnings stopped. I have a lovely EXCEL table which makes it fun to keep track.
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Old 01.09.2011, 10:09
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Re: How much can you save in Switzerland?

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I think you'll find that you live differently than in Yorkshire. Forget eating out 2x a week unless you mean fast food - restaurants are generally expensive for OK-ish quality although you can get lunch specials.

The price of meat is horrible BUT I discovered the ground beef in a bag (looks more like dog food than human food) at Migros is really good 100% beef.. you can buy a bag of it for 5-6 CHF and make little burger patties and they are really really good just fried in the pan.

This is the French equivalent to "steak hache" which I have never been able to replicate in the UK. I don't know why it just doesn't taste the same even with 100% ground beef in the UK. I was delighted to figure out that it DOES in Switzerland so you CAN eat beef every week for about 5CHF a head

You'll find little tricks. I think its easier to save in the UK because there is far less temptation to spend!
I always manage to find good deals at Migros re: meat. A whole chicken which can feed two plus leftovers is 10 chf (but 2 chicken breasts cost the same). Sometimes they are on sale and I get them half price. A lovely 500g pork fillet (migros budget) is about 17 CHF, feeds two. Ground beef as you mentioned is Ok-priced and top quality. A duck breast which feeds two (obviously I always mean that you have to add cheaper side dishes like roasted veggies and roasted or mashed potatoes, or rice) is 9. I also use frozen shrimps for pasta dishes. I forgot the exact price but it's not too bad for 4 portions. Chicken wings packets are also ok (by Swiss standards of course) price-wise. Beef filets - the thin sort (also migros budget) come at about 12 CHF for 2 people (I make Salti in bocca with them) and you can get these lovely Canadian horse fillets for about 6 CHF per portion. Lamb is the only thing which I don't eat here because it's really expensive, like 15 CHF for a portion than would hardly feed a child.
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Old 01.09.2011, 10:10
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Re: How much can you save in Switzerland?

Around 80 grand p.a.? ZILCH!
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Old 01.09.2011, 10:12
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Re: How much can you save in Switzerland?

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Which is why, before Mr L retired, we checked ALL our expenditure for a couple of years so that we could see where the money was going and how much of our savings we would be using each month when the earnings stopped. I have a lovely EXCEL table which makes it fun to keep track.
wish I could use those things
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Old 01.09.2011, 11:55
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Re: How much can you save in Switzerland?

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Which is why, before Mr L retired, we checked ALL our expenditure for a couple of years so that we could see where the money was going and how much of our savings we would be using each month when the earnings stopped. I have a lovely EXCEL table which makes it fun to keep track.
this is a really good disciple. i had to do this back in london and i tracked everything and reconciled my bank balance down to the exact penny.

then i could see where my money was going and could analyse exactly how much i spent on food, how much on going out, etc. and work out where i needed to save.
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Old 06.09.2011, 21:36
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Re: How much can you save in Switzerland?

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I think you'll find that you live differently than in Yorkshire. Forget eating out 2x a week unless you mean fast food - restaurants are generally expensive for OK-ish quality although you can get lunch specials.

The price of meat is horrible BUT I discovered the ground beef in a bag (looks more like dog food than human food) at Migros is really good 100% beef.. you can buy a bag of it for 5-6 CHF and make little burger patties and they are really really good just fried in the pan.

This is the French equivalent to "steak hache" which I have never been able to replicate in the UK. I don't know why it just doesn't taste the same even with 100% ground beef in the UK. I was delighted to figure out that it DOES in Switzerland so you CAN eat beef every week for about 5CHF a head

You'll find little tricks. I think its easier to save in the UK because there is far less temptation to spend!
Thanks for the culinary suggestion! Burger patties in Switzerland will remind me of this post from now on!
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