# Childcare costs
**URL:** https://forum.mustachianpost.com/t/childcare-costs/5167
**Category:** Life Hacking
**Created:** [January 6, 2021, 1:29pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167 "2021-01-06T13:29:06Z")
**Posts on this page:** 16
**Page:** 7
### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [March 9, 2021, 6:42am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/124 "2021-03-09T06:42:37Z")
She might be prevented by her batmaid contract to work directly for you though. I think that is the case for mamyexpress at least
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### Author:  [@m.writer](https://forum.mustachianpost.com/u/m.writer)
#### Post date: [March 9, 2021, 7:53pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/125 "2021-03-09T19:53:21Z")
Thanks! I contacted the tax office and after many tries they sent me an excel to fill in with the hours she will work etc. Our babysitter is supposed to work 7 hours/week for us and so its fixed.
But the different kinds of tax (AHV/IV/EO, ALV, NBU etc) would have to be specified in the contract right? Did you make a contract with your cleaner?
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### Author:  [@m.writer](https://forum.mustachianpost.com/u/m.writer)
#### Post date: [March 9, 2021, 7:54pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/126 "2021-03-09T19:54:12Z")
Thanks! Wow, is this service actually free? Have you used them?
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [March 9, 2021, 8:12pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/127 "2021-03-09T20:12:38Z")
Yes we specified AHV/IV/EO and ALV in the contract.
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### Author:  [@HammerOnFire](https://forum.mustachianpost.com/u/HammerOnFire)
#### Post date: [March 9, 2021, 8:18pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/128 "2021-03-09T20:18:58Z")
The tool for private use is a side product of the main product of KLARA (SaaS ERP for small businesses). It is free as the main product, but of course the tool will “try to” sell you mandatory but also optional insurances from partners.
I have a login, but have never used it actively.
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### Author:  [@Zurtan](https://forum.mustachianpost.com/u/Zurtan)
#### Post date: [March 10, 2021, 7:32am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/129 "2021-03-10T07:32:08Z")
I’ve asked for her contract, and I found nothing specify about that. I’ll keep digging. The contract is legally made between my and the maid, they only provide administrative facilitation and the plateform… for an additional 7.-/hours… almost 1.337.-/year that I could avoid, or give partially directly to the maid with the same coverage… worth looking into it.
thanks for the tip.
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### Author:  [@miriade](https://forum.mustachianpost.com/u/miriade)
#### Post date: [March 26, 2021, 4:12pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/130 "2021-03-26T16:12:08Z")
Here something you an support: [https://fr.individualbesteuerung.ch/](https://fr.individualbesteuerung.ch/)
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### Author:  [@anon21880037](https://forum.mustachianpost.com/u/anon21880037)
#### Post date: [June 25, 2021, 7:55pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/131 "2021-06-25T19:55:07Z")
@Giff, @Zurtan, @miriade
Based on your experience what’s the overall cost of a baby sitter per day? Provided you employe her/him full or part time?
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### Author:  [@Lumo](https://forum.mustachianpost.com/u/Lumo)
#### Post date: [June 26, 2021, 4:27am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/132 "2021-06-26T04:27:25Z")
> [@Cortana](#):
>
> Main reason why we don’t make kids anymore is because we realized that kids aren’t the only purpose in life and you can die happy without ever having them.
Personally I disagree. I think most people will regret this decision when they die alone. You can have great friends but family is family.
> [@Cortana](#):
>
> I’ve never heard of anyone saying “I would love to have kids, but they are too expensive”.
Yes, this is not usual, but you can bet you hear “I would love to have more kids, but we can’t afford”. Sure, they can decrease the living standards further, but I think most people are not willing to do that trade-off and it’s respectable.
In Geneva, I am looking for an apartment with extra bedroom, and just that basically adds CHF 1000 to the budget!
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [June 26, 2021, 5:37am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/133 "2021-06-26T05:37:47Z")
I pay her 22/hour for two small children, a few hours a week only. A bit too much if you ask me, but my wife did not want to wait for me to find a cheaper one.
Though 22 is the net pay, on top I have to cash out few more chf for holidays/taxes/insurance
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [June 26, 2021, 2:23pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/134 "2021-06-26T14:23:58Z")
> [@Giff](#):
>
> I pay her 22/hour for two small children, a few hours a week only. A bit too much if you ask me
What? A cleaning lady costs you at least 25/30, and I would say the above is slightly more important. 😅
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 27, 2021, 7:15am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/135 "2021-06-27T07:15:55Z")
> [@Lumo](#):
>
> Personally I disagree. I think most people will regret this decision when they die alone. You can have great friends but family is family.
I have a good relationship with the kids of my brother (20 years younger than me). It’s not like I’ll die alone without kids, there will always be someone around.
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [June 27, 2021, 9:02am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/136 "2021-06-27T09:02:41Z")
I think different people may want to (or not want to) have kids at different stages of life. You can be happy with 0/1/2/3… kids - its all depends on you, your partner, family, friends and surroundings.
as morgan housel writes in his book about personal finance : we are all playing different games. I believe it is same about kids and life.
We have 1 child. maybe we’ll have another one, maybe not. All I know is that I love spending time with my child. And I want my wife to be able to have her career. She started working at 80%, even though the company really wants her to work 100%. If there is second child, I would rather go 80% than having my wife go to 60%. Will it hurt both careers - YES, but thats the game we play. We pay the costs and we celebrate the wins. I just hope that the costs of childcare comes down and its becomes more and more possible to advance careers at 80% workload.
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### Author:  [@Barto](https://forum.mustachianpost.com/u/Barto)
#### Post date: [June 27, 2021, 11:21am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/137 "2021-06-27T11:21:25Z")
> [@dbu](#):
>
> What? A cleaning lady costs you at least 25/30, and I would say the above is slightly more important.
Multiply by 45 hours/ week for full time childcare - the work is less hard and most people would rather do that than clean
In Geneva: min salary now 23.10fr set by popular vote even for au pairs +25-30% social security and other fees. There is a shortage of crèche spaces too and a crack down on “informal” agreements
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### Author:  [@user137](https://forum.mustachianpost.com/u/user137)
#### Post date: [July 17, 2021, 7:43pm UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/138 "2021-07-17T19:43:58Z")
> [@Lumo](#):
>
> In Geneva, I am looking for an apartment with extra bedroom, and just that basically adds CHF 1000 to the budget!
Same goes for Zurich.
Then add childcare costs (20k a year here), add Healthcare costs, add extra holiday costs (look at prices of especially family friendly hotels, some are around the 5\* price levels).
Also we are both at 80% so that we can spend time with him.
It easily beats leasing a brand new 911 😉
But hey, the joy it brings every day is worth it anytime. 😍 we’ll save later!
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### Author:  [@Broth](https://forum.mustachianpost.com/u/Broth)
#### Post date: [July 19, 2021, 7:57am UTC](https://forum.mustachianpost.com/t/childcare-costs/5167/139 "2021-07-19T07:57:51Z")
Yes, come back it is difficult. But not impossible, specially now a days that companies are not only in public supporting diversity inclusion, work-life balance…
Lately several friends that were out for several years, have been back to the work.
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