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newtoswitz 25.03.2021 20:32

Zurich living cost
 
I know there are a load of Zurich living cost threads, but the ones similar to my question are old, so please bear with me and thanks in advance for any concrete info, particularly if anyone is in a similar situation.

Scenario

* offspring will do Lehre in Zurich

* the following will be paid for by yours truly:
- accommodation and nebenkosten
- ZVV pass
- mobile phone subscription (including unlimited data)
- health insurance
- mandatory study materials (if not covered by the company)

* ideally offspring manages the following:
- food
- clothing
- basic going-out money
- electronics and other stuff if they break it

So I cover the big ticket, fixed cost items, they manage the smaller stuff where they have some choice (i.e. if they blow their budget on McDonalds every day, bye bye new jeans). If starvation looms they can come home and eat.

So the question is how much (per month) does their part require?

irish_temptation 25.03.2021 23:57

Re: Zurich living cost
 
How much does he earn? Where will he live? WG? On his own? At ylur place? "Lehrlingheim"
All rhese things are important to answer your questions.

robBob 26.03.2021 12:08

Re: Zurich living cost
 
Really depends on how much Sushi they consume.

Sinking 26.03.2021 12:16

Re: Zurich living cost
 
Food: 100 chf/week should be more than enough if he can cook at home (even better if he shares apartment with somebody else)

Clothing: depends on what's necessary. I haven't spend a single chf in clothing in the last couple of months.

Going out money: right now, there is nothing to do, so 0. When things open up again, maybe 50 chf/week?

Electronics: this is tricky. Depends again on what's necessary. If your offspring breaks 1 iphone per month, then it's going to be expensive!

It also depends on the lifestyle. I know students that get by with 500 chf/month ... others have side jobs in order to support their lifestyle (ie: going out every night, for example)

st2lemans 26.03.2021 12:25

Re: Zurich living cost
 
My daughter is in her final year, and shares an apartment with a friend in Lugano.

They each earn around 1600/month. Health insurance is fully subsidized by the state (at least for my daughter, probably her flatmate as well).

They usually cook at home, so other than basic food costs, there is fuel, road tax, and insurance (they both have bikes), and the occasional bus or train ticket, plus phone and internet costs.

Rent is 450/month (each).

Zurich is probably not much different, unless he eats out a lot. How much does he earn?

Tom

LtSoftDrink 26.03.2021 12:33

Re: Zurich living cost
 
Quote:

Originally Posted by st2lemans (Post 3289996)
Health insurance is fully subsidized by the state (at least for my daughter, probably her flatmate as well).

Curious - why?

LtSoftDrink 26.03.2021 12:40

Re: Zurich living cost
 
Quote:

Originally Posted by newtoswitz (Post 3289842)
So the question is how much (per month) does their part require?

Perhaps you can use the info on here http://www.budgetberatung.ch/Lernende.123.0.html

st2lemans 26.03.2021 12:42

Re: Zurich living cost
 
Quote:

Originally Posted by LtSoftDrink (Post 3290000)
Curious - why?

Because she earns so little.

Tom

LtSoftDrink 26.03.2021 12:49

Re: Zurich living cost
 
Quote:

Originally Posted by st2lemans (Post 3290007)
Because she earns so little.

Tom

Does her age matter? i.e. your support as a parent isn't taken into consideration?

st2lemans 26.03.2021 12:59

Re: Zurich living cost
 
Quote:

Originally Posted by LtSoftDrink (Post 3290011)
Does her age matter? i.e. your support as a parent isn't taken into consideration?

Maybe, but as she is 25+ (28 next week), I have no support obligations.

Tom

LtSoftDrink 26.03.2021 13:07

Re: Zurich living cost
 
Quote:

Originally Posted by st2lemans (Post 3290012)
Maybe, but as she is 25+ (28 next week), I have no support obligations.

Tom

Whew! My world is back in orbit - had the OP's teen apprentice in mind :)

Murloc 26.03.2021 13:08

Re: Zurich living cost
 
Quote:

Originally Posted by LtSoftDrink (Post 3290011)
Does her age matter? i.e. your support as a parent isn't taken into consideration?

only up to finishing the first educational career (e. g. uni or a professional ausbildung). So OP's kid would maybe not get subsidies, but on the other hand OP should also keep getting child checks, which tom is probably not getting anymore.

I don't spend 100 chf a week on food, but I also mostly only buy eggs, chicken legs and mince meat for protein.

peaky 26.03.2021 13:22

Re: Zurich living cost
 
Depends what accomodation and how lucky you are.

Right in the city center you are probably looking at 1k-1.5 a month for a small flat share or if very lucky a small flat. Perhaps out of the center a bit and more studenty type digs perhaps you find for less than 1k a month

Phone, I would think Yallo or post paid is about 30-50 CHF a month

ZVV, you can look this up. Depends how many zones.

Health insurance is going to be I suppose 200-250 a month. Do you not pay this now? Again you can look this up. The question is how much are you going to have to pay on the excess if hes sick or injured frequently

Study material, no idea. 100 a month would surely cover the costs averaged out.

st2lemans 26.03.2021 13:24

Re: Zurich living cost
 
Quote:

Originally Posted by LtSoftDrink (Post 3290015)
Whew! My world is back in orbit - had the OP's teen apprentice in mind :)

My daughter is an adult apprentice, and already has one under her belt.

Tom

cremebrulee 26.03.2021 13:57

Re: Zurich living cost
 
How lucky that your offspring has such a caring parent like yourself to pay the big ticket items! When I moved out of home, I was pretty much on my own and had to get a part-time job to pay my rent, textbooks, etc. I hope to also be in a position where I can partly fund my children when they first move out of home.

I would estimate about CHF 800-1’000 per month to be comfortable, maybe even CHF 500 if your child is good at being budget conscious but few kids that age are. But if you allow roughly CHF 30 per day to cover food etc, that comes to about CHF 900 a month already.

But just going out costs a lot if you buy a few drinks, let alone a meal. I would expect that if he/she needs any “big” purchases, even a CHF 20 set of headphones, they would ask you to fund that directly.

But I will follow this thread with interest because it won’t be long before I will asking myself the same questions!

st2lemans 26.03.2021 14:07

Re: Zurich living cost
 
Quote:

Originally Posted by Murloc (Post 3290016)
only up to finishing the first educational career (e. g. uni or a professional ausbildung). So OP's kid would maybe not get subsidies, but on the other hand OP should also keep getting child checks, which tom is probably not getting anymore.

Yes, child checks ended when she finished her first apprenticeship.

Then, she move to LA for 4 1/2 years before returning to do another apprenticeship, which has 5 months to go.

Tom

Phil_MCR 26.03.2021 14:16

Re: Zurich living cost
 
depends how generous you want to be, but 1000+ will give surplus to save for bigger ticket items.

newtoswitz 26.03.2021 16:18

Re: Zurich living cost
 
Quote:

Originally Posted by peaky (Post 3290025)
Depends what accomodation and how lucky you are.

Right in the city center you are probably looking at 1k-1.5 a month for a small flat share or if very lucky a small flat. Perhaps out of the center a bit and more studenty type digs perhaps you find for less than 1k a month

Phone, I would think Yallo or post paid is about 30-50 CHF a month

ZVV, you can look this up. Depends how many zones.

Health insurance is going to be I suppose 200-250 a month. Do you not pay this now? Again you can look this up. The question is how much are you going to have to pay on the excess if hes sick or injured frequently

Study material, no idea. 100 a month would surely cover the costs averaged out.

Thanks but that isn't the question - I know roughly what they all cost.

I'm trying to work out what self-spending budget they should have, some of which will come from salary and some of which will probably come from me, at least in the first year when the salary for a lehrling is lower.

newtoswitz 26.03.2021 16:38

Re: Zurich living cost
 
Thanks everyone for the input.

30 CHF per day on food is too high - I'm not planning on subsidising fast food or pre-made food every day when that one-day amount would easily cover self-made sandwiches for a week or more.

Aim is to have a budget which is comfortable but not luxury, forces self-discipline, and has some scope for saving. The bigger items are fixed and non-negotiable so easier for me to just have control.

So far seems something like monthly amounts of:

400 CHF for food
100 CHF for non-food groceries
100 CHF for clothing, shoes etc
200 CHF for saving and/or spending

So 800 CHF/month? I actually really struggle to evaluate that - it kind of sounds a lot for those things, but when I compare it to our household monthly credit card bill it seems reasonable or even a bit low.

Salary will be low in the first year, around 500 CHF/month net, so I'd be subsidising 300 CHF ("cash", plus the other stuff).

LtSoftDrink 26.03.2021 16:54

Re: Zurich living cost
 
Quote:

Originally Posted by newtoswitz (Post 3290074)
Thanks everyone for the input.

30 CHF per day on food is too high - I'm not planning on subsidising fast food or pre-made food every day when that one-day amount would easily cover self-made sandwiches for a week or more.

Aim is to have a budget which is comfortable but not luxury, forces self-discipline, and has some scope for saving. The bigger items are fixed and non-negotiable so easier for me to just have control.

So far seems something like monthly amounts of:

400 CHF for food
100 CHF for non-food groceries
100 CHF for clothing, shoes etc
200 CHF for saving and/or spending

So 800 CHF/month? I actually really struggle to evaluate that - it kind of sounds a lot for those things, but when I compare it to our household monthly credit card bill it seems reasonable or even a bit low.

Salary will be low in the first year, around 500 CHF/month net, so I'd be subsidising 300 CHF ("cash", plus the other stuff).

300 CHF for food
50 CHF for non-food groceries
70 CHF for clothing, shoes etc
150 CHF for saving and/or spending (allowance/reserves)
570 CHF - will still love you :D


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