Hi @DrQuasar, as I promised, I updated my budget:
- Some comments on your spending:
Do you have the highest deductible? Have you considered moving to a cheaper insurer? I pay 5741.4 for me, my wife and my one-year-old son.
This is sad. You could consider moving to a cheaper commune/canton. I’m lucky enough to live in Zug where I pay 200 in taxes and I receive 300 back in family allowance.
Have you considered buying in Lidl and/or making some big shopping few times a year in Germany? This could translate into 20-30% lower bill.
This one is actually a pretty good bargain.
This is pretty high IMHO, but I don’t have any advice on how to lower it. I pay ~500 CHF.
What kind of insurance is that?
What’s in this category? Maybe you can promote more cost-less hobbies and sports in your family? 
Make an agreement with your family that you cook for each other as a present or organize a picnic or something like that.
I have one advice: second-hand and shop in cheaper countries from time to time (for example on vacations).
I myself try to limit this cost by using less electronics - for example, I don’t have a TV. I keep one computer + 2 smartphones + 1 kindle and we’re trying to use it as long as it is possible (few years).
For example?
This is a phone? That’s pretty high IMHO. I usually use 5-10 CHF per month (+ my wife even less than that). We’re using cheap prepaid - Lyca and CoopMobile.
For example?
I buy second-hand on tutti.ch and ricardo.ch.
My friend have a dog and they buy dog food only in Germany. It’s a lot cheaper.
For example?
This is pretty cheap. Well done.
I don’t have a Garden and Dog, so in my case this lowers my bills few houndred bucks a year, but I still see lots of space for optimisations in your budget.