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Old 27.09.2015, 00:02
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Moving in with a Partner and saving money

I'm planning on moving in with my girlfriend, and was hoping to know if there was anything we can save money on, now that we'd be living together. Such as bundling our mobile phone packages with internet, or insurance savings, perhaps SBB discounts. We both currently live in separate WG's and are basically jumping from flat to flat to sleep and eat, so there is a lot of redundancy when it comes to living supplies and food costs.

I just wondering if there are any ways I could save money now being with another person, than by living alone? Any membership type ideas?


- Our food costs ought to go down.
- Our basic household costs ought go go down (buying Waschmittel, TP, napkins etc).
- I think one of us will be able to bundle one of our cell contracts with a internet contract and save a bit.
- Showering and saving on soap *

* Noted

Last edited by kngavl; 27.09.2015 at 00:22.
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Old 27.09.2015, 00:15
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Re: Moving in with a Partner and saving money

SBB discount (GA only): http://www.sbb.ch/abos-billette/abon...a-partner.html

Also, you can shower together and save soap.
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Old 27.09.2015, 00:25
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Re: Moving in with a Partner and saving money

Here's the SBB "Duo partner GA travelcard"
http://www.sbb.ch/en/travelcards-and.../partners.html
EDIT: oops, MathNut was faster!

So that you really do fewer loads overall, coordinate your laundry, especially by colours. E.g. you wash the dark clothing (yours and hers) one day and she does a load of the light-coloured clothings (yours and hers) on another.
Talk through the logisitcs of shopping. If you don't have some sort of system, you can end up with your both buying spinach and lettuce and there's only so much of that one can eat before it goes off (which then increases the cost). Make some rule of checking everything in the fridge, once in a while, so as to find the things the other person has bought and which should be used up in time. Maybe, if you are busy people, take the time to make standard shopping lists for online orders from leshop.ch or coopathome.ch, and after some months, you'll determine the periodicity for the home delivery.

Here are some standard suggested budgets (scroll down to "Paare"). If you don't understand the German, you could try French or Italian, or put it through Google translate.
http://www.budgetberatung.ch/Budgetbeispiele.19.0.html
They also have an app http://www.budgetberatung.ch/App-Budget-CH.187.0.html
and it can be very worthwhile, for a couple living together for the first time, to keep very detailed track of expenditures. This prevents that uncomfortable point of one person feeling he/she is spending disporoportionately more on the home than the other. It's worth sitting down once a week, just to compare notes and see who's been spending what on home life together. The thing is, some products which one considers completely usual might seem to be luxuries to the other, such as fabric softener or hair conditioner or wine or certain types of food, or furnishings.

Discuss your (pl.) skills at repairing things: glue, carpentry, electric wires, sewing, drilling holes in the wall, fixing bicycles, maintaining electronics. You and she might be pleasantly surprised at how these skills can complement each other, and they can save a lot of money.
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Old 27.09.2015, 00:26
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Re: Moving in with a Partner and saving money

Moving in and saving cash on TP?

What are you going to use?
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Old 27.09.2015, 00:33
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Re: Moving in with a Partner and saving money

If you are determined, you (and your partner) might like to plough your way through the long thread How to live comfortably in CH on less than 120k - EF savings advice thread. If I understood it correctly, the "120k" in the title was not meant to be taken literally, and many of the useful posts in that thread are about all sorts of ways to economise, ideas about budgeting, spending wisely, saving, etc.
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Old 27.09.2015, 00:39
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Re: Moving in with a Partner and saving money

There's not a lot, apart from the usual household bills, which now you should only have one set of instead of two.

You can probably get a joint contents insurance/liability insurance. Don't know about phones/internet. We have Swisscom TV/wifi, but it's still cheaper for us to have our mobile separately with Salt, than to put it with our Swisscom stuff.

If you are going to have a joint bank account, you might be able to save money on bank charges. UBS for example do a family package, your own current account, savings account & credit card plus a joint account, all for one fee between you.
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Old 27.09.2015, 01:42
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Re: Moving in with a Partner and saving money

You might also teach each other to cut each other's (or each your own) hair. That'd save quite a lot.
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Old 27.09.2015, 02:54
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Re: Moving in with a Partner and saving money

Shouldn't you play fair and, having registered your partnership, pay more taxes? ;-)
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Old 27.09.2015, 05:57
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Re: Moving in with a Partner and saving money

How romantic...

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I'm planning on moving in with my girlfriend, and was hoping to know if there was anything we can save money on, now that we'd be living together. Such as bundling our mobile phone packages with internet, or insurance savings, perhaps SBB discounts. We both currently live in separate WG's and are basically jumping from flat to flat to sleep and eat, so there is a lot of redundancy when it comes to living supplies and food costs.

I just wondering if there are any ways I could save money now being with another person, than by living alone? Any membership type ideas?


- Our food costs ought to go down.
- Our basic household costs ought go go down (buying Waschmittel, TP, napkins etc).
- I think one of us will be able to bundle one of our cell contracts with a internet contract and save a bit.
- Showering and saving on soap *

* Noted
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Old 27.09.2015, 08:13
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Re: Moving in with a Partner and saving money

@kngavl
You might also like to look at Joness' thread, From living alone to living with 2 so you can decide whether one of you or your partner will become a sub-tenant of the other's rental contract, or whether you'd take out a Joint rental contract, in which you and your partner would be liable "jointly and severally".
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Old 27.09.2015, 08:24
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Re: Moving in with a Partner and saving money

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Moving in and saving cash on TP?

What are you going to use?
More to the point .... sharing Tampax?
I'd have thought that this would be required by only one side of the partnership, anyway.
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Old 27.09.2015, 09:15
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Re: Moving in with a Partner and saving money

Not a monetary saving buy you won't have to do any washing up any more which is always a nice benefit
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Old 27.09.2015, 09:21
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Re: Moving in with a Partner and saving money

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Not a monetary saving buy you won't have to do any washing up any more which is always a nice benefit
In your dreams. He'll probably find he's doing it more often than he would normally, and general cleaning too, as I doubt the girlfriend would stand for the sort of cleanliness men generally live with around the house.
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Old 27.09.2015, 13:24
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Re: Moving in with a Partner and saving money

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How romantic...
Real-life relationships aren't like the ones based in your avatar .

Thanks guys, I live in quite a large WG already so our shopping lists and supplies are quite extensive expenses. Thanks also for the SBB info, I had been offered a long time ago to join with someone to get that discount but couldn't get any information on whether it applied to other cards beyond the GA. Unfortunately it doesn't. Thankfully we'll still able to take advantage of some U-26 offers given by the telecom's, but I was hoping there might have been some other aspects that I've forgotten or missed.
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Old 27.09.2015, 13:43
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Re: Moving in with a Partner and saving money

If you both drive and join the TCS you can get a discount on your membership fees as a couple.... until recently this only applied to family members living at the same address, but changed a few years ago.
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Old 27.09.2015, 14:44
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Re: Moving in with a Partner and saving money

One important saving to be made is on the nameplates for the letter box and door bell. Since you will be living together, you will not longer require 2 sets of these in the future, only one, but of course, the existing set has to be changed. Most landlords, incidentally, insist on a professionally engraved plate and will not tolerate a handwritten or otherwise home made label.
For distributing the costs between you and your girlfriend for these nameplates, I suggest the following formula:
(1) You split the costs of the new nameplates 50/50
(2) You compensate your girlfriend for the half remaining value of the nameplates she has already purchased with her name alone on them, which are no longer required.
To calculate the remaining value, assume the nameplates have a lifetime of 20 Years, and during the lifetime, the value diminishes linearly from the original purchase price to zero.

HTH

By the way, what savings do you anticipate for TP (toilet paper?). Apart from possible bulk buying opportunities, or using a substitute, say the 20 Minutes newspaper, I can't think of much more savings potential under the circumstances you have mentioned.
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Old 27.09.2015, 14:50
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Re: Moving in with a Partner and saving money

Since I've moved in with my girlfriend my food budget has increased significantly not to mention my waistline.

*disclaimer: my girlfriend is Italian, might not apply to all.
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Old 27.09.2015, 14:57
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Re: Moving in with a Partner and saving money

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One important saving to be made is on the nameplates for the letter box and door bell. Since you will be living together, you will not longer require 2 sets of these in the future, only one, but of course, the existing set has to be changed. Most landlords, incidentally, insist on a professionally engraved plate and will not tolerate a handwritten or otherwise home made label.
For distributing the costs between you and your girlfriend for these nameplates, I suggest the following formula:
(1) You split the costs of the new nameplates 50/50
(2) You compensate your girlfriend for the half remaining value of the nameplates she has already purchased with her name alone on them, which are no longer required.
To calculate the remaining value, assume the nameplates have a lifetime of 20 Years, and during the lifetime, the value diminishes linearly from the original purchase price to zero.

HTH

By the way, what savings do you anticipate for TP (toilet paper?). Apart from possible bulk buying opportunities, or using a substitute, say the 20 Minutes newspaper, I can't think of much more savings potential under the circumstances you have mentioned.
I fear that OP will find out soon that anyone moving in with a girl does not save on TP paper.

But! I just saw that in France it costs roughly 1/2. HTH.
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Old 27.09.2015, 15:24
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Re: Moving in with a Partner and saving money

Some more savings potential:
- share your toothbrush. You need to calculate though that they need to be renewed more often. Further saving potential when you combine toothbrush, shoe brush and toilet brush.
- for toilet paper, your girlfriend could use one side and you the other
- if you have similar sizes, you could share your clothes
- public transport: buy a transferable card. just make sure you never go anywhere together
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Old 27.09.2015, 15:44
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Re: Moving in with a Partner and saving money

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I fear that OP will find out soon that anyone moving in with a girl does not save on TP paper.

But! I just saw that in France it costs roughly 1/2. HTH.
But the quality of French toilet paper is cr*p so you need to use twice as much anyway.
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