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  #21  
Old 11.09.2012, 10:23
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

I wish we had 10k a month to live on!! We live on just over half of that in Zug (which in MHO is more expensive than ZH) with 2 children and still live a good life with holidays and no debit. Dont believe the hype- it's all about budgeting and sticking to it!


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Fakt ist: Mit 10'000 Franken im Monat kommt eine Familie in Zürich kaum mehr durch.

Fact is: With 10,000 francs a month a family barely gets by in Zurich.
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  #22  
Old 11.09.2012, 10:32
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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Go hang at the Migros in Horgen, particularly on Mondays, by the cashiers. Yes, the old codgers bring their own containers. Bonus if you hang outside by the recycling area where you'll see folks bring a bag of rubbish topped by bottles which they recycle and then dump the bag of rubbish in the public bin. If you sit still long enough, you see quite a few things go on....
I regularly go to that Migros and have never seen what you claim. I'm not saying you didn't see it, but it's not the "epidemic" that you're making it out to be. Of course there are poor pensioners, every country has them. I've seen old folks collecting cans in Connecticut for that 5 cent refund. One can just as easily point to the many older people who eat out 4-5 nights a week and generalize that all Swiss pensioners are rich!
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  #23  
Old 11.09.2012, 11:15
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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I regularly go to that Migros and have never seen what you claim.
I have not seen it either, but I guess you need to go when the 1/2 price stickers are put out at 4pm on Saturday or whenever.
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  #24  
Old 11.09.2012, 11:21
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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According to this article, Zuerich families making less than 130'000 CHF may be better off on social welfare:

http://www.tagesanzeiger.ch/schweiz/...story/24377992

And unless you earn more than 150K you're not really off the hook.
That's not exactly what the article says... it says:

- people used to save some money before they get kids, now they simply expect to be able to afford what they need whenever they need it.
- the expectations on flats have grown a lot. So it is not mainly the higher rent but the perceived needs for more living space that drives the costs up.

The rest of the article discusses how to change the socila wellfare system in order to put less pressure on the middle class. That in some extreme case with a lot of "ifs" a family with 130k can have only 10k more nett than another family with a lot of "ifs" receiving a lot of support was one of the arguments there.
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Old 11.09.2012, 11:26
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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I wish we had 10k a month to live on!! We live on just over half of that in Zug (which in MHO is more expensive than ZH) with 2 children and still live a good life with holidays and no debit. Dont believe the hype- it's all about budgeting and sticking to it!
Well done. Any tips on Internet & phone? 69chf plus dreaded Billag it the best I have...

If you managed to buy a flat/house, then with variable mortgage rates at 0.9%
that can save a packet over renting, which can easily be 2.5k if you rent a flat at the market rate today.
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Old 11.09.2012, 15:38
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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Go hang at the Migros in Horgen, particularly on Mondays, by the cashiers. Yes, the old codgers bring their own containers. Bonus if you hang outside by the recycling area where you'll see folks bring a bag of rubbish topped by bottles which they recycle and then dump the bag of rubbish in the public bin. If you sit still long enough, you see quite a few things go on....
Would you call extreme coupon-ers poor? Do you stand behind them in line and pass judgement as well? Face it, as long as there have been opportunities, people of all sorts have done their best to take advantage of it. This is not an age thing (though older people may be wiser and caught on to the scheme before the rest of us)
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Old 11.09.2012, 16:08
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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I have not seen it either, but I guess you need to go when the 1/2 price stickers are put out at 4pm on Saturday or whenever.
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Would you call extreme coupon-ers poor? Do you stand behind them in line and pass judgement as well? Face it, as long as there have been opportunities, people of all sorts have done their best to take advantage of it. This is not an age thing (though older people may be wiser and caught on to the scheme before the rest of us)
Nothing wrong with either (1/2 price stickers and coupons) in my book. I think it's smart management of one's resources, and has nothing to do with age, as kiwiguy said.

What's better, taking advantage of as many coupons as you can and save a little, even only 1 CHF, or buy through credit, with money you don't have, then protest in Paradeplatz and ask for someone else to bail you out?

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Dont believe the hype- it's all about budgeting and sticking to it!
Amen to that!
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  #28  
Old 11.09.2012, 16:18
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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Would you call extreme coupon-ers poor? Do you stand behind them in line and pass judgement as well? Face it, as long as there have been opportunities, people of all sorts have done their best to take advantage of it. This is not an age thing (though older people may be wiser and caught on to the scheme before the rest of us)
What do coupons have to do with trying to save a few chuffs by dumping your trash in the public receptacles? I think extreme coupon-ers are bored as putting so much time into saving so little is probably not a great investment.

But, getting back to the original idea is that even if the pensioners are doing well financially overall without the burden of raising children and a generous pension, it's not as though they're living an easy or even highly comfortable lifestyle.
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Old 11.09.2012, 21:38
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

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Well done. Any tips on Internet & phone? 69chf plus dreaded Billag it the best I have...

If you managed to buy a flat/house, then with variable mortgage rates at 0.9%
that can save a packet over renting, which can easily be 2.5k if you rent a flat at the market rate today.
With TalkTalk, DSL 10,000 + phone line (ie no Swisscom monthly 25.35) + as many abo-free mobile SIMs as you like for 59 Fr a month. What's more, you can call the UK fixed lines and the US from your mobile for 6 rappen per minute and off peak Swiss calls are fee. All calls between TalkTalk Customers are also free - we have saved a lot, as we mostly call each other. Refer a friend and get 50 fr credited to your bill too! http://www.talktalk.ch/TT_EN/2_0_home.html

Our mortgage interest is less than 1k a month and our neighbours pay 5k+ for a slightly smaller house. We couldn't afford to rent our own house

Disclaimer: I work at TalkTalk but in no way receive commission but can help with your queries about what they offer.
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Old 12.09.2012, 10:04
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Re: If you make less than 130KCHF in Zuerich, it doesn't pay off!

Phone and internet we get a discount rate since my husband works for the local utilities company. Calls abroad to my family & friends are done with Skype. There's no getting around Billag's bill IMHO. Natel I have a fixed flat rate so my bill is always the same every month.



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Well done. Any tips on Internet & phone? 69chf plus dreaded Billag it the best I have...
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