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Old 27.03.2012, 22:55
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Re: Monthly expenses question...


I have this calculation done in a previous post

We may try to calculate costs of living roughly here together if you like, baring in mind that this is just my estimates which may not exactly come with your spending habits.

Assuming that per month, the taxes that will be deduced from both salaries will be around 35% (I believe that maybe less this include all the monthly salary deduction including pension) then per month will

Appartment Rent, let us say 2'500 CHF

Food and Drink, making use of disconunts and monthly offers, let us assume that 1500 CHF per month.

Transportation, I believe a monthly subscription in the public transport around your area, may cost you and your husband less than 100 CHF per person (around 70), dogs needs tickets as well, highest cost would be when both of you buy a subscription to all the Swiss transport which is called General Abonoment, it will cost you less than 350 CHF per month, actually around 3300 per year or you make a subscription where you pay first 4 month 350 then it goes to 290 under the condition you cannot cancel it for the first 4 month.

Medical Insurance, this really varry due to different circumstances and very difficult to estimate, but let us put 300 - 400 CHF per person per month.

You may need to get some other insurance, like appartment and some other stuff, let us assume it will be 300 CHF (definitely maybe less if you are not insuring everything).

Summing this up

Rent: 2500 CHF
Food: 1500 CHF
Transport: 350 CHF
Insurance: 400 CHF
Other insurance: 300 CHF
Other Expenses (TV, Electricity, Water,...) 100 CHF
5150 CHF

I believe you may spend even less, and you can mutiply the insurance and transport by 2 for your partner, but don't multiply the food cost as that is really a lot

For the child you need to add medical insurance as well, but if the child is too young *i believe less than 4 years old, then transportation is free.

You will need to have some money for relocation and buy some furniture as well.

Based on your income, you can detect your savings and plan your holidays.

These websites may help you

Cost of Rentals: this website may help you to know the costs of renting an appartment in the area you are willing to live www.homegate.ch
Insurance & Taxes: this website may help you to know the cost of medical and other insurance in Switzerland www.comparis.ch
Shopping and costs of foods and drinks: I suggest you visit www.migros.ch and www.coop.ch they have list of prices of different types of things they sell including food you can find it here for Migros
Train and Transport tickets: www.sbb.ch/en

Good luck with your move, and all the best for your upcoming life challenge.
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