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  #21  
Old 02.06.2009, 13:59
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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In English "net" means take home pay after taxes etc.
And the same is true for German. Whatever the tax system is, "net" or netto means "in my pocket". Oh, and 10k net sounds pretty sufficient to me.
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  #22  
Old 02.06.2009, 14:01
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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WRONG...

Federal taxes must be paid out of netto not bruto. The deductions from brutto are AHV, BVG etc and have nothing to do with the taxes.
He didn't say netto, he said NET and put it in caps, which to most means after all deductions, or what hits the bank and is therefore his disposable income. Noticably if you read all the deduction he mentions they come from net income.... and at that salary level methinks he'd know the difference.
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  #23  
Old 02.06.2009, 14:24
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Re: Is it possible to live in Switzerland on CHF10K a month ?

i'd be happy to live on 10k a month.. just need to find someone to give it to me...
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  #24  
Old 02.06.2009, 14:27
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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You're in the top 1% of earners globally.

Stop showing off.

Edit: rich-o-meter

10k net, say 160 gross, say 90k sterling, http://www.globalrichlist.com/
Top 0.23 of earners.
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He didn't say netto, he said NET and put it in caps, which to most means after all deductions, or what hits the bank and is therefore his disposable income. Noticably if you read all the deduction he mentions they come from net income.... and at that salary level methinks he'd know the difference.
Methinks too. Especially seeing that the guy has been around here for a considerable time. Edit: atleast longer than most people in this thread.

Last edited by Niranjan; 02.06.2009 at 14:42.
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  #25  
Old 02.06.2009, 14:36
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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The household average net in Switzerland is perhaps 5k.
You're in the top 1% of earners globally.

Stop showing off.

Edit: rich-o-meter

10k net, say 160 gross, say 90k sterling, http://www.globalrichlist.com/
Top 0.23 of earners.
Just a little point if I may on this. The globalrichlist type stats can be a bit misleading because they dont take into account the cost of living in that country. Essentially they are meaningless or at least not that useful, you need a CountryRichList which will tell you whether you are high up the list in respect to your current environment.

However I do agree that 10k is a big amount. the average gross salary is 5.6k for single income families and 8.something for dual income. i got this from some dodgy bound-to-be-a-bit-fixed website I just looked up.
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  #26  
Old 02.06.2009, 14:41
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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.... and at that salary level methinks he'd know the difference.
I hope that you are not insinuating that there is a link between salary and intelligence?!
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  #27  
Old 02.06.2009, 14:48
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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I hope that you are not insinuating that there is a link between salary and intelligence?!
...... ......... I hope not.
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  #28  
Old 02.06.2009, 15:01
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Re: Is it possible to live in Switzerland on CHF10K a month ?

We are a family similar to yours; one spouse in paid work, one child about to enter private school. Here is a basic breakdown of what your fixed costs will be;
  • Rent - from 2500 (for a 3 bed apartment) to up around 4000 (for a small house with garden)
  • School fees - private school is going to be about 15-17k a year (10-12k in tuition fees and 3-5k in extras like lunches, basic excusions etc)
  • If you want to put your second child in garderie then it is at least another 700-1000 a month for 2-3 days a week.
  • Health Insurance - assuming you are covered by the company, your wife and kids are going to cost around 400 per month for basic coverage.
Then you have other stuff including the cost of running a car if you have one. Food which as you will see from other threads is going to cost you somewhere between 700-1000 a month depending on how you shop. Other insurance charges and cable TV etc will add more.

But overall, you will probably be fine on that salary. You will end up with money left over at the end of the month.

Good luck.

Mel
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  #29  
Old 02.06.2009, 15:06
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Re: Is it possible to live in Switzerland on CHF10K a month ?

You seem intent on it, but I'm going to ask anyway: have you considered that it's maybe not necessary to send your kid to private school? How old is he/she?
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  #30  
Old 02.06.2009, 15:26
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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I hope that you are not insinuating that there is a link between salary and intelligence?!
No are you? more to the point how'd you make that galactic leap from knowing what net salary is to this.

If how ever you read the guys profile, rather than trying to read something that isn't there, you would note that he was setting up a division of a company when he came here... hardly a job for someone who doesn't know the difference between net and gross salary. He may be an over-paid idiot, an under-paid genius or somewhere in between, but what ever his IQ I'd take his pay check... and likely so would most others
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  #31  
Old 02.06.2009, 15:30
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Re: Is it possible to live in Switzerland on CHF10K a month ?

As an example, we live in kanton Zürich, my salary is just over 10K gross (I'll leave you work out net (or netto)), we pay CHF 4,000 in rent for a house and both our kids are in private schooling which costs a total of about another 3K a month. We run cars and we have holidays. We don't have a lot of cash left at the end of the month and sometimes there's too much month left at at the end of the cash. In short, we manage, our lifestyle is higher than some and much lower than others but the point I'm making is that with 10K Net I think you should be fine.
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  #32  
Old 02.06.2009, 15:33
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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Methinks too. Especially seeing that the guy has been around here for a considerable time. Edit: atleast longer than most people in this thread.
yes, but with 24 posts since joining in 2007 the person isn't the prolific of writers on this forum. My guess would be this is a person that only visits occasionaly to look for information, nothing wrong with that, we're not all addicted to forum life.
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  #33  
Old 02.06.2009, 15:50
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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No are you? more to the point how'd you make that galactic leap from knowing what net salary is to this.

If how ever you read the guys profile, rather than trying to read something that isn't there, you would note that he was setting up a division of a company when he came here... hardly a job for someone who doesn't know the difference between net and gross salary. He may be an over-paid idiot, an under-paid genius or somewhere in between, but what ever his IQ I'd take his pay check... and likely so would most others
You took my words away. I felt exactly the same way when I saw his introductory post on EF. Surely having known Switzerland since July 2007, and done/owned business in the country, it is very unlikely that he is getting information that he already doesn't know, or hasn't already been discussed on EF.

The problem that I see with repetitive discussions is it clutters the forum. Banter threads are one thing, but informative topics should'nt be discussed afresh, rather they should be cross-linked to where they exist, and many helpful people do do that. I see that being done on the biking threads that I read regularly. Otherwise it just reduces the value of previous threads where people will have spent time in listing things meticulously. But that's just my opinion.

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yes, but with 24 posts since joining in 2007 the person isn't the prolific of writers on this forum. My guess would be this is a person that only visits occasionaly to look for information, nothing wrong with that, we're not all addicted to forum life.
His choosing to limit his reading time on EF, or what he is addicted to and what not to, is really not my problem, as far as I can see.
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  #34  
Old 02.06.2009, 15:58
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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You took my words away. I felt exactly the same way when I saw his introductory post on EF. Surely having known Switzerland since July 2007, and done/owned business in the country, it is very unlikely that he is getting information that he already doesn't know, or hasn't already been discussed on EF.

The problem that I see with repetitive discussions is it clutters the forum. Banter threads are one thing, but informative topics should'nt be discussed afresh, rather they should be cross-linked to where they exist, and many helpful people do do that. I see that being done on the biking threads that I read regularly. Otherwise it just reduces the value of previous threads where people will have spent time in listing things meticulously. But that's just my opinion.



His choosing to limit his reading time on EF, or what he is addicted to and what not to, is really not my problem, as far as I can see.
You may well be right, I just took his post at face value, gave him the benefit of hte doubt without bothering to judge whether the person asking the question is worthy or not. Repeat questions occur daily, not everyone bothers to use the search function. You could call the result clutter or you could say it aids the survival of the forum since clearly the repeat questions are questions that occur to different individuals at different times. Personally I don't have a problem with repeat "offenders" :-)
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  #35  
Old 02.06.2009, 16:09
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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You may well be right, I just took his post at face value, gave him the benefit of hte doubt without bothering to judge whether the person asking the question is worthy or not. Repeat questions occur daily, not everyone bothers to use the search function. You could call the result clutter or you could say it aids the survival of the forum since clearly the repeat questions are questions that occur to different individuals at different times. Personally I don't have a problem with repeat "offenders" :-)
Neither do I. And nor do I bother to look up each and every member's posting history. Just that in this particular case I wanted to investigate whether it was justified in someone stating "don't show off here", and it seems justified.

Personally, I get all the info I ever need from EF search function. As you can see, I have felt it necessary to start new threads only on two occassion so far. The rest, it is all there if one wants to see. I don't see repetition as necessarily harmful but neither is it necessarily the most helpful thing to be doing. But as I said, it is just my opinion, and will happily concede if someone has issues with that.
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  #36  
Old 02.06.2009, 16:19
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Re: Is it possible to live in Switzerland on CHF10K a month ?

I love your sign-off, made me smile :-)

Everyone is gifted - but some people never open their package.
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  #37  
Old 03.06.2009, 08:41
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Re: Is it possible to live in Switzerland on CHF10K a month ?

HI,

I have an older child in private school in the same area - and it costs me about 28k per year (school fees and all the additional charges) - the cost goes up quite dramatically after the age of 11.

we have a net income around the same mark - and we manage ok - go out for dinner probably twice per month, run a car, health insurance all the usual.

I would say it is do-able

Good luck
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Old 04.06.2009, 09:54
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Re: Is it possible to live in Switzerland on CHF10K a month ?

Hi everyone,

Well this is certainly the information I was looking for. I am pretty much on the hook for all expenses here, including taxes, insurances, etc, I didn't get one of those cushiony ex-pat deals, but I think considering all that has be said, it is very do-able provided you don't go overboard on things.

I would probably think after the first few months of sticker shock, you get into a groove and start settling in, although i have heard that sticker shock may not go away totally

Thank you all!
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  #39  
Old 04.06.2009, 10:14
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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The *big* difference here from our lifestyle in Australia is that I have to cook *all the time* - because the cost of eating out is crazy with three children and a husband - but we can buy plenty of basics and lots of 'treats' with about 300chf a week - which would be three times what I'd spend on my food budget in Australia... it takes some getting used-to...
The big difference in Basel (this might hold for Lausanne too, since you are not far from the border, right?) is the cross-border shopping and eating out, which cuts grocery bills by 30% and eating-out is less than half the price!

But, I agree with most people here, with some planning, you can get by on that even with private schooling.
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  #40  
Old 04.06.2009, 10:21
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Re: Is it possible to live in Switzerland on CHF10K a month ?

As noted above, I think you'll be fine on 10K net.

Get into the groove in Switzerland but avoid it becoming a rut


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