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  #41  
Old 03.11.2011, 13:28
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Re: Single income child allowance benefit: WARNING

I have to say, some posts in this Forum make me dread the thought of getting pregnant even more than I already do...

I hope you can get it solved Mimi! I wish I could help you!
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  #42  
Old 03.11.2011, 13:38
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Re: Single income child allowance benefit: WARNING

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I have to say, some posts in this Forum make me dread the thought of getting pregnant even more than I already do...
Getting pregnant is the fun bit.
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  #43  
Old 03.11.2011, 13:54
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Re: Single income child allowance benefit: WARNING

Having a child in CH if you don't have a husband with an excellent salary and/or family around you to help you is tremendously difficult. I know what I'm speaking about, I have two.

But then you receive the wonderful gummy smiles full of milk and love from your precious little one, the bear hugs when he gets older and comes running to you from the other end of daycare, the first I love you, and you forget all the hardships... It's hard, but it's worth it.
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  #44  
Old 03.11.2011, 13:58
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Re: Single income child allowance benefit: WARNING

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My ex calculated that my son eats for 5.-/day, so he doesn't understand why he should pay more than 2.50.-/day + half the insurance... Our mediator almost fainted when he told her that...
So how much DOES he eat a day? Was the fainting because of the 5chfs or his only wanting to pay half?
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  #45  
Old 03.11.2011, 14:04
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Re: Single income child allowance benefit: WARNING

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So how much DOES he eat a day? Was the fainting because of the 5chfs or his only wanting to pay half?
Really? You really ask?
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  #46  
Old 03.11.2011, 14:04
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Re: Single income child allowance benefit: WARNING

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For us it's a maximum of 5500 for the year when real costs are actually 28,800!
Now I am confused: I thought earlier someone said that day care costs are 10% of your income and the Government pays the balance directly. If 28.8k is 10% of your income, then surely the additional 1k you were not aware you were going to lose should not be such a big deal.....
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  #47  
Old 03.11.2011, 14:07
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Re: Single income child allowance benefit: WARNING

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Really? You really ask?
Yeah... I am really ignorant on these things.....my kids are all grown up, so I have no clue what it would cost these days and in this country.....I was not being sarcastic....
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  #48  
Old 03.11.2011, 14:28
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Re: Single income child allowance benefit: WARNING

If you are on low income, you can use this calculator,

http://www.pro-senectute.ch/ergaenzu...e-angaben.html

You would apply for it at your social centre in your Gemeinde / Commune. It is not backdated, but stops if your financial situation improves.
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  #49  
Old 03.11.2011, 14:28
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Re: Single income child allowance benefit: WARNING

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Yeah... I am really ignorant on these things.....my kids are all grown up, so I have no clue what it would cost these days and in this country.....I was not being sarcastic....
Children eat several times a day, good quality products (dairy, meat, veg) to ensure healthy growth. In spite of this, they tend to get sick a lot: you thus go quite regularly to the doc, paying 10% of the cost and meds each time. Mine needs glasses (extra cost). Once a year he goes to the dentist (extra cost). He might even need braces (extra extra cost).

You have to pay for daycare, for extra-curricular activities (sport, music lessons), for the extra room where you put them. They also use hot water for their baths, and electricity in general. They need clothes and shoes, more often than you because they grow up. They need toys (not a lot, but at least some). If you go on holidays you have to pay for them: after 2 they pay almost full price in a plane. They usually charge you for the crib in a hotel.

Children come with a huge amount of costs, some hidden such as what a mother doesn't earn if she can't work full time because she has to take care of the kids.

Of course you can put a family of 5 in a studio, buy your clothes and toys second-hand, and provide no intellectual stimulation whatsoever for a tenth of the costs quoted above. But this is not what I want for my children, so I work hard to make it better, and expect my ex-husband should contribute.
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  #50  
Old 03.11.2011, 14:31
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Re: Single income child allowance benefit: WARNING

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Now I am confused: I thought earlier someone said that day care costs are 10% of your income and the Government pays the balance directly. If 28.8k is 10% of your income, then surely the additional 1k you were not aware you were going to lose should not be such a big deal.....

Bloody hell! I wish that was 10% of my salary

The daycare we have is a set rate of 2400CHF per month regardless of income.

As others have said, you can then apply for help with the fees which I did last year and received benefits. When I was reassessed this year as you are every year, they reduced the amount by 1400CHF which on my salary is a lot to try and find each month.
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  #51  
Old 03.11.2011, 14:37
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Re: Single income child allowance benefit: WARNING

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When I was reassessed this year as you are every year, they reduced the amount by 1400CHF which on my salary is a lot to try and find each month.
I am sure it is! Hell, that is more than my youngest clears on his salary in the UK - and that is what you were reduced by...ouch. The 5K backpay is also a real bummer...Good luck going forward..
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  #52  
Old 03.11.2011, 14:40
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Re: Single income child allowance benefit: WARNING

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Children eat several times a day, good quality products (dairy, meat, veg) to ensure healthy growth. In spite of this, they tend to get sick a lot: you thus go quite regularly to the doc, paying 10% of the cost and meds each time. Mine needs glasses (extra cost). Once a year he goes to the dentist (extra cost). He might even need braces (extra extra cost).

You have to pay for daycare, for extra-curricular activities (sport, music lessons), for the extra room where you put them. They also use hot water for their baths, and electricity in general. They need clothes and shoes, more often than you because they grow up. They need toys (not a lot, but at least some). If you go on holidays you have to pay for them: after 2 they pay almost full price in a plane. They usually charge you for the crib in a hotel.

Children come with a huge amount of costs, some hidden such as what a mother doesn't earn if she can't work full time because she has to take care of the kids.

Of course you can put a family of 5 in a studio, buy your clothes and toys second-hand, and provide no intellectual stimulation whatsoever for a tenth of the costs quoted above. But this is not what I want for my children, so I work hard to make it better, and expect my ex-husband should contribute.
Ok, so what is the bottom line? How much, on average, in your opinion, should an ex cough up evry month? (Lets for the moment put aside issues such as what can be afforded on his salary..)
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Old 03.11.2011, 14:51
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Re: Single income child allowance benefit: WARNING

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Ok, so what is the bottom line? How much, on average, in your opinion, should an ex cough up evry month? (Lets for the moment put aside issues such as what can be afforded on his salary..)
I do not like this use of 'cough up'. It sounds like the father must grudgingly give some hard-earned money which could be better spent elsewhere... While I'm speaking about fairly sharing costs for the benefit of the CHILD who is at the centre of all this...

I pay per month (estimation):
daycare: 900.-
insurance: 100.-
doctor's bills + med + glasses + dentist: 70.-
food (+ extra such soap, nappies, etc.): 300.-
extra-room: 500.-
clothes + shoes: 70.-
activities/hobbies: 100.-

I don't take into account the must better job and much better paid I could/would have if I was more flexible with my working hours.

This amounts to 2040.-/month, if I'm correct. Ex doesn't pay half of this.
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  #54  
Old 03.11.2011, 14:51
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Re: Single income child allowance benefit: WARNING

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Ok, so what is the bottom line? How much, on average, in your opinion, should an ex cough up evry month? (Lets for the moment put aside issues such as what can be afforded on his salary..)
In Bern the "Divorce Judges Rules" allow (If I remember correctly) Fr 650 at birth rising to Fr 1'250 at age 18.

If you double the figure for a small child (Fr 1'300) you come close to the figure from Mélusine (Without the daycare costs)

These payments are irrespective of salary. If you only earn Fr 1'250 you need to apply for social welfare where you live.
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Old 03.11.2011, 14:55
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Re: Single income child allowance benefit: WARNING

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extra-room: 500.-
I have to say I find your post wonderfully informative! I had no idea just how much per month would a child cost (this sounds a bit wrong, but I think you know what I mean).

But what is this "extra-room" you speak of? Is it like extra-curricular study room or something?
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Old 03.11.2011, 14:57
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Re: Single income child allowance benefit: WARNING

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I have to say I find your post wonderfully informative! I had no idea just how much per month would a child cost (this sounds a bit wrong, but I think you know what I mean).

But what is this "extra-room" you speak of? Is it like extra-curricular study room or something?
It is the cost of the child's bedroom.
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Old 03.11.2011, 14:58
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Re: Single income child allowance benefit: WARNING

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It is the child's bedroom.
Oh...
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Old 03.11.2011, 14:59
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Re: Single income child allowance benefit: WARNING

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If you go on holidays you have to pay for them: after 2 they pay almost full price in a plane. They usually charge you for the crib in a hotel.
Simple solution to that is to do what I did: load them into the sidecar and go camping! No plane fare, no hotel, no extra crib (though we did use to take a portable baby bed with us).

Tom
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Old 03.11.2011, 15:03
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Re: Single income child allowance benefit: WARNING

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I have to say I find your post wonderfully informative! I had no idea just how much per month would a child cost (this sounds a bit wrong, but I think you know what I mean).

But what is this "extra-room" you speak of? Is it like extra-curricular study room or something?
We had to calculate all that with the mediator when we worked on the divorce agreement.

Many fathers (including my ex) feel they are deprived of their child AND indeed have to cough up money. The figures help people realise what reality is like...
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Old 03.11.2011, 15:26
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Re: Single income child allowance benefit: WARNING

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I do not like this use of 'cough up'. It sounds like the father must grudgingly give some hard-earned money which could be better spent elsewhere... While I'm speaking about fairly sharing costs for the benefit of the CHILD who is at the centre of all this...
Easy Mélusine......I wasn't intending it to mean that at all. It is just a fîgure of speech - nothing more, nothing less. The costs you detail seem conservative. I am sure that most reasonable men would be happy to pull their weight and pay their fair share...but I guess each case has different dynamics...
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