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