Budget optimisations

#1

Hello Mustachians!

Here is my budget with comments for last month. It’s pretty high as I live in pretty expensive place - Zug. I wonder if you can spot some space for optimisations or if you have any recommendations.

Total Expenses 4096.95

Living 1638

  • Rent 1480 – I’m really lucky that it’s so cheap! In Zug it starts from 2000!
  • Electricity / Gas / Water 88
  • Internet 70 – this is for two months (2 * CHF 35)

Household 717.2

  • Groceries 574.6 – normally, I spend around 350-400 on groceries, but I had lots of guests this month
  • Cosmetics 10
  • Household articles 7
  • Equipment / Furnitures 44.6 – we bought some equipment in Zuger Ökihof
  • Baby stuff 71 – diapers and other stuff are also included in groceries (as we bought it in Aldi in Germany)
  • Household Miscellaneous 10

Personal 652.5

  • Clothing 10
  • Snacks & Drinks 146.5 – I normally don’t spend so much on that, but I had lots of guests
  • Restaurants / Bars 106 – the same as above
  • Gifts 155 – in May in Poland there are first communions
  • Mobile (wife) 10 – my wife has a Lyca prepaid
  • Mobile (me) 30 – I have Swisscom prepaid
  • Education 235 – German learning on Skype

Health 782.25

  • Health Insurance 383.6 – for both me & my wife at CSS (I have to check if there are better options)
  • Doctors & Treatment 0 – luckily during pregnancy everything is covered by insurer

Traffic 247

  • Public transport tickets 37 – sometimes I have to take the train (e.g. Zurich rush hours)
  • Car/Insurance/Taxes/Maintaince 0
  • Traffic fines 0
  • Fuel 73 – I did ~800 km with that
  • Other Parking 29 – this is what I pay on parking houses when visit Luzern/Zurich (I haven’t figure yet how to park for free or cheaper)
  • Home Parking 108 – this is the chepest parking lot I found in Zug (ridiculous)

Leisure, sport & hobby 60

  • Culture/Cinema/Museum/Events 0
  • Books 60 – I’m addicted to book collecting
  • Sports activities 0
  • Sports equipment 0

Additionally to this list, I have few annual costs:

  • car insurance ~500
  • new winter tires + changing them ~379
  • last months I got two fines (speeding + parking for too long) 100
  • PostFinance credit card 40
  • Vacations ~1000
  • Christmas/Easter trip to Poland (including gifts) ~2000
  • Winter sports trips ~1000
  • weekend trips ~1000
1000000CHF's Journal
1000000CHF's Journal
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