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Old 02.06.2009, 11:21
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Is it possible to live in Switzerland on CHF10K a month ?

Hi,

I have been offered a job in Lausanne for what works out to 10,000-chf NET per month. We are a family of 4, I am the only one working, and we plan to send our oldest to private school. Factoring in housing, car, insurances, food, etc etc, would it be even possible to live on that for a family of 4? I am hesitating a little here.

Thanks
KD
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Old 02.06.2009, 11:29
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Re: Is it possible to live in Switzerland on CHF10K a month ?

10K net per month is pretty good, even for a family of 4.

Although depending on your personal spending and budget, it might get a bit tight, especially, if you want private education for the kids and with you being the only one working.
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Old 02.06.2009, 11:35
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Re: Is it possible to live in Switzerland on CHF10K a month ?

im sure people survive on less........
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Old 02.06.2009, 11:36
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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Hi,

I have been offered a job in Lausanne for what works out to 10,000-chf NET per month. We are a family of 4, I am the only one working, and we plan to send our oldest to private school. Factoring in housing, car, insurances, food, etc etc, would it be even possible to live on that for a family of 4? I am hesitating a little here.

Thanks
KD
Private school might be the killer on that one. I would check into
the prices before accepting the job.
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Old 02.06.2009, 11:41
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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Private school might be the killer on that one. I would check into
the prices before accepting the job.
...and perhaps check with your future employer if there are any schemes to help relocating-employees with school fees.
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Old 02.06.2009, 11:43
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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Hi,

I have been offered a job in Lausanne for what works out to 10,000-chf NET per month.
most people here have at least 1/3 less - so yes, you'll be fine.
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Old 02.06.2009, 11:46
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Re: Is it possible to live in Switzerland on CHF10K a month ?

10k net is one seriously good salary. Well done.
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Old 02.06.2009, 11:46
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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Hi,

I have been offered a job in Lausanne for what works out to 10,000-chf NET per month. We are a family of 4, I am the only one working, and we plan to send our oldest to private school. Factoring in housing, car, insurances, food, etc etc, would it be even possible to live on that for a family of 4? I am hesitating a little here.

Thanks
KD
It depends on your lifestyle, we like to go out for meals, nice holidays e.t.c

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10K net per month is pretty good, even for a family of 4.

Although depending on your personal spending and budget, it might get a bit tight, especially, if you want private education for the kids and with you being the only one working.
I agree
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Private school might be the killer on that one. I would check into
the prices before accepting the job.
I did a google search and here is a link to how much private school fees are http://www.cagi.ch/en/_DUMMY7408.htm
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  #9  
Old 02.06.2009, 11:50
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Re: Is it possible to live in Switzerland on CHF10K a month ?

We're doing OK with 2000chf a month going in school fees and rent around the 1500chf mark...we have debts to pay to family but no credit-card and we've bought a houseload of second-hand furniture in 12 months.

Our health insurance (compulsory) costs 800chf a month, and public transport about 50chf a week if you allow for one weekend excursion a month...the kids have 'family' cards which cost 20chf for the whole year, and they are free as long as they travel with their parent (both of us get issued with the cards so there's no hassle about that)...we tend to go out as a 'family unit' on the weekends - a round trip to most places in Switzerland would cost 50chf per adult, so that's 100chf to go out for the day, and we take a picnic...

We don't run a car. We don't eat out at restaurants more than once a month, and we don't buy take-away food.

It really depends on what sort of lifestyle you have, of course...

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...

My husband and two older children get morning tea, lunch and if they are at school after 4pm, snacks as well - so they do their own basic breakfast, lunch is provided, and I only have to organise something fun for dinner...

The second-hand market for clothing, toys and sports equipment is great if you keep an eye in your local community newsletter for 'Borse' or 'Flohmarket'.

Depends on where you are coming from, for us the start-up costs after moving halfway around the world - and the complete isolation from our normal networks, are very different to being able to send the wife home for the weekend to the Uk where she can make use of discount and outlet type places, and has a good idea of what is a 'good price'...
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Old 02.06.2009, 11:51
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Re: Is it possible to live in Switzerland on CHF10K a month ?

Since you will be staying in Lausanne the preferred choice for many is the Lausanne International School and their fees are a bit high...

Check http://www.isl.ch/admissions/fees
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Old 02.06.2009, 11:52
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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It depends on your lifestyle, we like to go out for meals, nice holidays e.t.c


I agree
I did a google search and here is a link to how much private school fees are http://www.cagi.ch/en/_DUMMY7408.htm
The irony of sending someone a link quoting DUMMY for the question made me smile.

I'm sure the average wage for the area is considerably less than 10k pm nett, and I haven't heard of red cross parcels being sent, so I guess folk aren't starving.
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Old 02.06.2009, 11:55
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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The irony of sending someone a link quoting DUMMY for the question made me smile.

I'm sure the average wage for the area is considerably less than 10k pm nett, and I haven't heard of red cross parcels being sent, so I guess folk aren't starving.
Ermmmm sorry lol i hadn`t noticed that
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Old 02.06.2009, 12:27
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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.

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Hi,

I have been offered a job in Lausanne for what works out to 10,000-chf NET per month. We are a family of 4, I am the only one working, and we plan to send our oldest to private school. Factoring in housing, car, insurances, food, etc etc, would it be even possible to live on that for a family of 4? I am hesitating a little here.

Thanks
KD

Last edited by gbn; 02.06.2009 at 12:50. Reason: added link
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Old 02.06.2009, 12:57
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Re: Is it possible to live in Switzerland on CHF10K a month ?

...with 10k per month I wouldnt even bother to ask this question. Did you win lotto or something. Well done, I would take an offer without thinking twice
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Old 02.06.2009, 13:33
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Re: Is it possible to live in Switzerland on CHF10K a month ?

Who will pay your taxes? you or the employer?? That is the big question.
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Old 02.06.2009, 13:39
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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Who will pay your taxes? you or the employer?? That is the big question.
No it isn't, and why does it matter if the 10k is net as stated?
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Old 02.06.2009, 13:45
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Re: Is it possible to live in Switzerland on CHF10K a month ?

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No it isn't, and why does it matter if the 10k is net as stated?
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.
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Old 02.06.2009, 13:47
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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.
perhaps he just means net as in net...
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Old 02.06.2009, 13:51
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Re: Is it possible to live in Switzerland on CHF10K a month ?

Hey I thought rich was when you can afford 10k for your rent!

Private schooling is expensive, though you might do it on a 10k salary.
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Old 02.06.2009, 13:52
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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.
Don't argue.

In English "net" means take home pay after taxes etc.

Source tax is based on your gross/brutto: it does not matter how Swiss citizenms or C permit holders pay tax

Furthermore, if your employer paid taxes then this counts as salarym, which means more tax, etc etc
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