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Hello Ladies & Gents,

Time to update my budget. A typical month these days for my family (a couple with a one-year-old baby) is like that:

Total Expenses 3901.05

Living 1550

  • Rent 1480 – This will go to about 2300-2500 next year, as I’ll have to change my apartment :frowning:
  • Electricity / Gas / Water 35
  • Internet 35

Household 1018.7

  • Groceries 745 – this includes food for guests + non-groceries that I was too lazy to split the bills
  • Cosmetics 0 – Already in groceries
  • Household articles 101.9 – I think we stuffed up the cleaning stuff
  • Equipment / Furnitures 0
  • Baby stuff 159.75 – this grows with age :slight_smile: (+ some stuff is already in groceries)
  • Household Miscellaneous 12.05

Personal 382.2

  • Clothing 73 – I usually buy clothes second-hand and on sales in Poland
  • Snacks & Drinks 76.4 – my goal is to get this one to zero (for sake of money and health)
  • Restaurants / Bars 61 – my goal is to get this one to zero (except when I have guests)
  • Gifts 51.3
  • Mobile (wife) 0 – my wife has a Lyca prepaid and rarely is using it
  • Mobile (me) 30 – I have CoopMobile prepaid and this is top-up for about 2-3 months
  • Education 85.5 – German learning on Skype - normally, this one is bigger (~150-200 CHF)

Vacation 132

  • Vacation/Trips 132 – I normally try to visit some new place at least once a month

Health 484.65

  • Health Insurance 478.45 – for me, my wife and my son (at CSS)
  • Drugs 6.2

Traffic 323.5

  • Public transport tickets 117.8 – I started commuting twice a week to work by train
  • Car/Insurance/Taxes/Maintaince 0
  • Traffic fines 0
  • Fuel 85.7 – I did ~800 km with that
  • Other Parking 12 – this is what I pay on parking houses when visit Luzern/Zurich
  • Home Parking 108 – this is the cheapest parking lot I have found in Zug (ridiculous)

Leisure, sport & hobby 0 (Thank you libgen.io)

Taxes 0 (Thank you Zug!)

Additionally to this list, I have few annual costs:

  • Car insurance ~500
  • Household insurance ~500
  • PostFinance credit card 40
  • Vacations ~1000
  • Christmas/Easter trip to Poland (including gifts) ~1000 (2 * 500)
  • Winter sports trips ~300 (2 * 150)
  • Non-planned expenses ~1000
    === So this translates into average 362 CHF/month

I’ll sum up the entire 2018 at the end of the year with monthly + annual expenses. I think it will be about 3900-4200 CHF/month (46800-50400 CHF/year). My target is < 4000 CHF/month (< 48000 CHF/year)

Please let me know if you can spot some space for optimisations or if you have any recommendations.

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