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  #41  
Old 10.03.2009, 17:49
Nev
 
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Re: Not able to save any cash in this country - sigh

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Hey don't worry, it gets better after 18 months where there are no more "fixed costs"
Yeah, enjoy it while you can. Take my word for it. As kids grow up they don't get cheaper!
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  #42  
Old 10.03.2009, 18:14
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Re: Not able to save any cash in this country - sigh

Another hint for saving money is to plan your meals around whatever is on sale at the Migro, Co-op, etc. I just got back from the Migros where both the person in front and in back of me in the checkout line was buying lamb chops because lamb is on sale this week. Guess what we're having for dinner?
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  #43  
Old 10.03.2009, 18:15
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Re: Not able to save any cash in this country - sigh

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What's the point of living in Switzerland then? You can live like that in any country. We had very good public schools in Montreal and a lot of cheap entertainment.
People come to Switzerland to earn, otherwise it's better elsewhere.
now you're exaggerating a bit - I do agree that there are better places, but its not so horrible that money would be the one and only reason to live here for everyone. BTW: If you were from Southern California or Australia I could understand - but Montreal..... is that really so much better????
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  #44  
Old 10.03.2009, 18:54
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Re: Not able to save any cash in this country - sigh

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but its not so horrible that money would be the one and only reason to live ?
Hey, someone call security. We have an imposter masquerading as Ticino.
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  #45  
Old 11.03.2009, 11:25
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Re: Not able to save any cash in this country - sigh

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So basically surviving is cheap in Switzerland... it's LIVING that's expensive. So... leaving in a boring unfriendly country AND leading a very basic lifestyle. Going to movies for me is NOT going out/special occasion. Should be one of those several times a week things. Same for going to an average priced restaurant.
It really depends on where you're coming from. Quality of services, such as public transport, health and even accommodation are much higher in Switzerland than many other countries.

Certainly the finer things in life are expensive, but if you look at the basics, you'll end up paying just as much if not more for those in other countries - and even then they may not be at the same standard.

In my mind, Switzerland is not where you go to work and make a packet of money which you can then go off and buy a house with. If you want to do that, go to one of the Gulf states. It's not even a place I would recommend to someone under the age of thirty - I would have been bored silly here in my twenties.

I would however recommend Switzerland if you want a certain, secure standard of living or if your career is already at a certain level (because then you will earn enough to save money).
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  #46  
Old 27.03.2011, 18:51
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Re: Not able to save any cash in this country - sigh

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Shouldn't this thread be moved? I don't really see the link with employment?
I agree. So many people here made some good advices about expenditure and I guess this would be more useful if moved on the proper thread.
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  #47  
Old 28.03.2011, 19:38
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Re: Not able to save any cash in this country - sigh

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Another hint for saving money is to plan your meals around whatever is on sale at the Migro, Co-op, etc. I just got back from the Migros where both the person in front and in back of me in the checkout line was buying lamb chops because lamb is on sale this week. Guess what we're having for dinner?
one thing i also find much more expensive here are the meat esp the steak..although they do taste good..but still, 30CHF for a piece if a bit too much..
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  #48  
Old 28.03.2011, 19:54
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Re: Not able to save any cash in this country - sigh

I know this is an old thread that's been bumped but I'd be seriously happy with saving 1000CHF per month
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  #49  
Old 28.03.2011, 20:10
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Re: Not able to save any cash in this country - sigh

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I know this is an old thread that's been bumped but I'd be seriously happy with saving 1000CHF per month
Heck.. I`d be happy saving 100CHF per month...
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  #50  
Old 28.03.2011, 20:11
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Re: Not able to save any cash in this country - sigh

Coming from Australia, I can say I have seen this trend and am guilty myself of committing these sins. Now I have "seen the light" after living here for a few years:
  • Most people don't know how to save - they are spenders and live on credit
  • People are obsessed with owning their own home, now. Patience to save a proper deposit is not characteristic - young adults also get help from families (doesn't just happen here), others used to get the 100% home loans from banks (means you don't even have to have a deposit or prove you can save)
  • People buy property to own something - "keeping up with the Jones"
So yes, patience and saving are the key to owning your own home here. You need 24% of the home cost in cash, 4% being the additional fees/taxes you pay. Swiss homes are also more expensive and not so many around. I am paying double what I could afford in Sydney. But the advantages here are that I'm earning alot more, taxes are so low, bank interest rates for loans are so low, and good education for kids are free! I would never pay for private school here, but I would in Sydney.

Finally, double income definitely helps!
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  #51  
Old 28.03.2011, 20:35
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Re: Not able to save any cash in this country - sigh

I don't know about you guys are eating but I find it relatively simple saving 2000CHF a month. Thats not even living skint.

And I work at a university!
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  #52  
Old 28.03.2011, 20:45
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Re: Not able to save any cash in this country - sigh

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Frankly, most I know have a helping hand from 'Daddy'.

Eat, drink and be merry, you never know what's around the corner
Helping hand from "Daddy" and also full of depts...
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  #53  
Old 28.03.2011, 22:38
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Re: Not able to save any cash in this country - sigh

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I have no idea how people are able to live on the salaries here.
It's easy: they usually have 2 salaries, or they have some capital from family (either in cash, either in real estate).

Someone was pointing that the median salary of a household is ~109K in Switzerland, so you're just a bit above "average" if there is only your salary in the household.

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Is there some amazing thing that people arent telling me?
Yes, nobody has told you that your wife has full access to your bank account, and that the Vuitton bag that she bought last month was not costing 20 CHF as she claimed
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  #54  
Old 28.03.2011, 22:51
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Re: Not able to save any cash in this country - sigh

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People come to Switzerland to earn, otherwise it's better elsewhere.
Nonsense.

I came here to LIVE, I make pretty much the same as before I moved here, though I'd probably have to do things like commute and work overtime in the US ( and deal with the lame US vacation situation).

I stay here because I prefer it. Don't see that changing (and, after 25 years, it hasn't).

Tom
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  #55  
Old 28.03.2011, 22:52
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Re: Not able to save any cash in this country - sigh

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Nonsense.

I came here to LIVE, I make pretty much the same as before I moved here, though I'd probably have to do things like commute and work overtime in the US ( and deal with the lame US vacation situation).

I stay here because I prefer it. Don't see that changing (and, after 25 years, it hasn't).

Tom
YOU TELL HIM...even though he's banned
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  #56  
Old 28.03.2011, 22:53
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Re: Not able to save any cash in this country - sigh

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Nonsense.
St2lemans, let me introduce you to Canadian Dude, nonsense-talker extraordinaire.

Canadian Dude, let me intro... oh, never mind. You're banned, aren't you?
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  #57  
Old 28.03.2011, 22:56
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Re: Not able to save any cash in this country - sigh

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Yes, nobody has told you that your wife has full access to your bank account, and that the Vuitton bag that she bought last month was not costing 20 CHF as she claimed
Thats comedy genius.

But it does sound VERY familiar,,,,,my new carbon fibre bike was only 30CHF, oh and it came with free skis too.
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  #58  
Old 28.03.2011, 22:58
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Re: Not able to save any cash in this country - sigh

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St2lemans, let me introduce you to Canadian Dude, nonsense-talker extraordinaire.

Canadian Dude, let me intro... oh, never mind. You're banned, aren't you?
I beat you to it DB. You just wanted the free thanks didn't you? Thanks whore.
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  #59  
Old 28.03.2011, 22:59
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Re: Not able to save any cash in this country - sigh

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I beat you to it DB. You just wanted the free thanks didn't you? Thanks whore.
Oops... sorry, I didn't notice your post.

You can thank me anyway. I like thankses, and have nowhere near enough of them.
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  #60  
Old 28.03.2011, 23:01
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Re: Not able to save any cash in this country - sigh

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I beat you to it DB. You just wanted the free thanks didn't you? Thanks whore.
Just for that, I've just removed my thanks to both of you!

Tom
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