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Old 25.04.2015, 18:14
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What lifestyle will we have

My husband is doing interviews for a job with a Swiss based US multinational.
The salary will be approx 150k Swiss Franc ( not confirmed yet). I am pregnant on our second child- have a two year old and hoping to move when baby is 6 weeks old!! ( if all goes well).
I will be a stay at home mam- we hope to rent out our house here before we go.
Looking at moving to Zug and staying either there or nearby town. We are hoping to rent a 3 bed apartment walking distance from amenities!! Ie shops cafes and supermarket etc.
What kind of lifestyle can we be afforded on this salary in Zug or surrounding areas.
We are not big spenders but at the weekends like to go for coffee and cake etc and bring the kids to activities.
We are hoping to try and save some cash also- we worked our take home pay to be approx 10 k per month but realise that Switzerland is an expensive country to live? Anyone offer suggestions to what kind of lifestyle we could potentially have there?
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Old 25.04.2015, 18:25
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Re: What lifestyle will we have

You will be able to eat plenty of cake! Even at Swiss prices.

Welcome.
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Old 25.04.2015, 18:36
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Re: What lifestyle will we have

That's Marie Antoinette, in case you're uncertain.
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Old 25.04.2015, 19:00
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Re: What lifestyle will we have

This thread will bear a certain relevance, once word gets out:

Is begging at the door allowed?
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Old 25.04.2015, 18:35
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Re: What lifestyle will we have

www.migros.ch this is a this is a typical Swiss supermarket. Here you can find products and their prices. you must not starve. Baby products are more expensive. Does the company not rent apartments? many companies offer this.
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Old 25.04.2015, 19:39
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Re: What lifestyle will we have

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www.migros.ch this is a this is a typical Swiss supermarket. Here you can find products and their prices. you must not starve. Baby products are more expensive. Does the company not rent apartments? many companies offer this.
http://www.coopathome.ch
http://www.leshop.ch

(these are full online shops - their offline, walk-in counterparts have more variety and also lower prices)

various special offers:
https://en.comparis.ch/aktionen/default.aspx

Some stuff can be sourced here:
http://ottos.ch
(yeah, the web-page looks kind of dodgy...)

Also, shopping in Germany is possible, though a bit of a stretch from Zug.
See
https://en.comparis.ch/aktionen/news...r-schweiz.aspx
for the small-print...

At the price of higher taxes and a longer commute, you can move away a couple of kms into Kanton Zürich and save on rent.
I'd try to spend 3k (maybe a little bit more) on rent, at max.
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Old 25.04.2015, 19:56
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Re: What lifestyle will we have

The biggest expense in my experience is the cost of health insurance, rent and child care. If the company can pay for any of these that will make a big difference.
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Old 25.04.2015, 20:35
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Re: What lifestyle will we have

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The biggest expense in my experience is the cost of health insurance, rent and child care. If the company can pay for any of these that will make a big difference.
I will be a stay at home mammy for a few years!! Don't have to language to work in my chosen career.
I'm hoping if my hubby gets the job they will give him an expat contract and pay our accomodation. I believe health insurance is expensive- would 1500 Swiss franc cover 2 adults and two children?
Childcare would not be necessary but pre school costs would have to be factored in!!
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Old 25.04.2015, 21:01
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Re: What lifestyle will we have

Hi, I work in Zug too. We have CHF 60'000 a year together netto but before tax. We are two adults, no children. We live a very good life with that.
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Old 25.04.2015, 21:20
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Re: What lifestyle will we have

..... and the tax benefits of living in Kanton Zug are as follows .......
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Old 25.04.2015, 21:23
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Re: What lifestyle will we have

… well, I actually pay my taxes in Luzern because I only work in Zug.
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Old 25.04.2015, 21:27
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Re: What lifestyle will we have

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I will be a stay at home mammy for a few years!! Don't have to language to work in my chosen career.
I'm hoping if my hubby gets the job they will give him an expat contract and pay our accomodation. I believe health insurance is expensive- would 1500 Swiss franc cover 2 adults and two children?
Childcare would not be necessary but pre school costs would have to be factored in!!
Health insurance is a bit less, I pay 750 for a family of 5.
If your accommodation will be paid and your still on 150k you'll really have a good amount of disposable income. Rent is the main deduction each month. Schooling may also be paid for by the employer if your on an expat. If not it ranges from free, the local education system which is perfectly good, up to expensive private schools if you so choose.
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Old 25.04.2015, 21:37
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Re: What lifestyle will we have

Even if the employer doesn't cover the cost if rent ( which would be really unusual unless it was just a short term contract) you still have a pretty good lifestyle on that sort of salary in Zug.
It may be different from the life you're living at the moment but it will be pretty good nonetheless.
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Old 25.04.2015, 21:40
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Re: What lifestyle will we have

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Even if the employer doesn't cover the cost if rent ( which would be really unusual unless it was just a short term contract) you still have a pretty good lifestyle on that sort of salary in Zug.
It may be different from the life you're living at the moment but it will be pretty good nonetheless.
Hubby and I must be working for the wrong companies then since neither pays for rent or housing. But be that as it may, you will not bevome rich or be able to save a lot, but it's enough for a good life.
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Old 25.04.2015, 21:49
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Re: What lifestyle will we have

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Even if the employer doesn't cover the cost if rent ( which would be really unusual unless it was just a short term contract) you still have a pretty good lifestyle on that sort of salary in Zug.
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Hubby and I must be working for the wrong companies then since neither pays for rent or housing.
I think you may have understood it the wrong way round, as I did at first.
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Old 25.04.2015, 21:43
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Re: What lifestyle will we have

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Even if the employer doesn't cover the cost if rent ( which would be really unusual unless it was just a short term contract) you still have a pretty good lifestyle on that sort of salary in Zug.
It may be different from the life you're living at the moment but it will be pretty good nonetheless.
Austerity Ireland has taken its toll on us- working to pay the bills with little left over. High tax and childcare- running a hundred miles an hour to stand still!! This move would mean I can take a career break, stay at home with the kids and hopefully have a decent quality of life ie not watching the pennies too much and hopefully save some cash!
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Old 25.04.2015, 21:39
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Re: What lifestyle will we have

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Health insurance is a bit less, I pay 750 for a family of 5.
If your accommodation will be paid and your still on 150k you'll really have a good amount of disposable income. Rent is the main deduction each month. Schooling may also be paid for by the employer if your on an expat. If not it ranges from free, the local education system which is perfectly good, up to expensive private schools if you so choose.
Kids are not school age yet- 2 and newborn. However I would be ok with the local education system. Would not want private or international schools.

The expat contract would be great but that might not happen. We will wait and see what happens ie job offer and package!!
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Old 26.04.2015, 12:19
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Re: What lifestyle will we have

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My husband is doing interviews for a job with a Swiss based US multinational.
The salary will be approx 150k Swiss Franc ( not confirmed yet). I am pregnant on our second child- have a two year old and hoping to move when baby is 6 weeks old!! ( if all goes well).
I will be a stay at home mam- we hope to rent out our house here before we go.
Looking at moving to Zug and staying either there or nearby town. We are hoping to rent a 3 bed apartment walking distance from amenities!! Ie shops cafes and supermarket etc.
What kind of lifestyle can we be afforded on this salary in Zug or surrounding areas.
We are not big spenders but at the weekends like to go for coffee and cake etc and bring the kids to activities.
We are hoping to try and save some cash also- we worked our take home pay to be approx 10 k per month but realise that Switzerland is an expensive country to live? Anyone offer suggestions to what kind of lifestyle we could potentially have there?
Surely such a clever chap earning 20% of the EF average can use Google and determine that Chf 150k/year is well above average salary in Switzerland, therefore you will have comfortable life.

And no i'm not jealous of this salary before anybody thinks it needs mentioning.
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Old 26.04.2015, 18:13
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Re: What lifestyle will we have

Hi, this is a good salary even by swiss standards. My husband and I (no children) are on a similar salary and have enough to eat out 1 to 2x a week, buy what we like in the supermarket, and go away for weekend holidays every now and then, and we save 3-4K a month. It is expensive in switzerland, and we do have to be conscious of our spending but otherwise its ok.
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Old 29.04.2015, 14:40
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Re: What lifestyle will we have

I am a stay at home mom of 2 in Zurich. Our family income is about 200k before taxes and all that comes out. We live fairly modestly in a 2-bdrm apartment with one car. We go out to eat once a month (or less) as a family. I have to say that, honestly, after you factor in retirement savings, education savings (in case of US colleges), healthcare, car costs, traveling to America once or twice a year with the family, one kid in spielgruppe 3 mornings a week, and exorbitant costs of all kids sports and activities here, we usually are scraping the bottom of the coin basket by the end of every month.
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