@ 1000000CH Thank you for taking time to give me some feedback on the various costs. For now I’m going to update the car insurance, since it’s of no use to have such a large cover if we plan to stop owning a car in the future.
Thanks everybody too for your opinion.
Some comments (with two small kids I don’t have enough time in the evening 
)
Health: I guess it can’t get much lower. Me and my wife have a private cover (with a 5’000 deductible) and the kids have a dental cover in case they will need orthodontics.
Taxes: I can pay some money in my 2nd pillar since I have a big gap (worked abroad several years) and put some money in tax free investments. The wealth tax is the one most hurting, it eats o.xx% of the full amount every year!
Groceries: I feel here lie some space for cost reduction. Most of the shopping is done by my wife. Although price conscious, she could go more to Aldi. My plan is to show her how cheaper are most things we usually buy. Last time I showed her that milk costs about 0.30 less at Aldi (whatever category: bio, normal, UHT). She calculated that it would be 1.50 francs per week / 78 francs per year and said it doesn’t worth going to Aldi for 78 francs. I’ll continue with bananas (popular item here), Emmental and Parmesan cheese. Maybe if I can find 500 francs she will agree ! Anybody has some stories about convincing his/her spouse?
NATEL: 1’010.75
This is the sum for two phones. Mine and my wife. She sometimes bought bus tickets with her phone so it’s not really all phone costs. We have Sunrise for 70 francs fixed costs, the rest is various costs mostly beacause my wife used to buy bus tickets with her phone.
Insurance details:
|1’692.50|car insurance|
|370.80|life insurance|
|341.35|home insurance|
|314.00|juridic insurance|
|47.90|fire insurance|
We can trim down the car insurance and maybe drop the life insurance altogether now that we have some stash. If I put extra money in the 2nd pillar this can replace life insurance since my wife and kids can get it back (plus some interest).
Clothing: unfortunately I work in finance and need to wear a suit, tie, etc. every weekday. I fear I use more money for clothing than my wife or the kids (who get a lot from bigger friends).
Other non-food includes beer & wine, toys, items for drawing/painting, making things with the kids (soap, candles, woodwork, etc.), perfume, a few books.
Fun 1’010.41 is mostly eating out, including while on holidays or visiting zoo/museums with the kids.