29 CHF to 100k, with 2 more days to go… cmon, we can make it!
EDIT: holy crap, my wife and my in-laws are going to shop for last year evening’s Cenone (huge dinner) right now… goodbye five digits dream!
15 Likes
What’s the difference between Column Total & Yearly?
In December they’re the same.
During the year they’re not.
Total is “total expenses year-to-date”.
Yearly is “average monthly expenses * 12”.
1 Like
How do you spend CHF 900+ on a dinner?
And how can I get an invitation?
1 Like
Well, we’re actually “just” 69 CHF away from 100k…
Thanks to @whatever for the template, I shamelessly copied it and adapted it to my needs 
| Yearly Expenses | 2021 | 2022 forcast | |
|---|---|---|---|
| Fixed Costs | Rent | 10’375 | 0 |
| Taxes | 1’591 | 3’657 | |
| Military Tax (Wehrpflichtersatzabgabe in German) | 1’155 | 0 | |
| Common Account with GF | 7’390 | 12’000 | |
| Health Insurance | 3’548 | 3’600 | |
| Public transport | 2’200 | 2050 | |
| Phone | 228 | 239 | |
| Subscriptions (Spotify, iCloud) | 0 | 120 | |
| TV/Internet | 444 | 0 | |
| Serafe | 143 | 0 | |
| Newspaper | 520 | 520 | |
| Education (University & Driving Lessons) | 2’160 | 0 | |
| Memberships (Swiss Paraplegic Association, REGA, ASLOCA) | 170 | 170 | |
| TOTAL Fixed Costs | 29’924 (2’494 per month) | 22’356 (1’863 per month) | |
| Variable Costs | 12’006 (1001 per month) | 12’000 (1’000 per month) | |
| TOTAL YEARLY EXPENSES | 41’930 (3’494 per month) | 34’356 (2’863 per month) |
Some parts probably need some explanations:
- Salary 2021 was 50.2k gross. 2022 I expect it to be around 78k gross.
- I don’t further categorize variable costs, but here are some of the biggest contributors (out of my mind, no particular order): Eating out and food at work (when I don’t bring leftovers from home), holidays, electronics, clothes and personal hygiene.
- Military tax: I paid it 11 times, so 2021 was the last time
- Education: I graduated → 0
- Rent, internet and serafe are now included in the common account with my girlfriend (she contributes the same amount). Electricity, groceries and maintenance of our car are also covered with that. Our rent is VERY low (770 a month total), so it works out.
4 Likes
Our summary for 2021, household of 3:
This is all post tax, since a) that is largely out of my control and b) makes the spending number more comparable to what I can expect post FIRE. On the savings side I also do not account for market fluctuations, it’s simply amount of CHF that has been put away and the market does what it does.
With two exceptions I’m happy with how things are going. First exception is the food expenses: Adding groceries, restaurants (actually a bit rare lately) & food deliveries (too often!) together we spend on average 2’000 - 2’200 CHF per month. Some of that is necessary to keep the spouse on board, but some of it is just a waste. Second exception is the money donated to the dentist, but hopefully this will not become a “same procedure as every year” .
Happy new year everybody.
7 Likes
This is my financial contribution for the year 2021:
To summarise, I’ve been living with my girlfriend for a little while and I’ve always had the highest salary or simply been the only one with a salary. My girlfriend got her first job in November 2021. So we decided to open a joint account for our salary payments and household expenses.
So from January to October 2021, I was only accounting for my expenses, i.e. everything by half, except for food where I paid 100%.
Since November, we have been earning a net salary of about CHF 6,000. She works at 70% and I am a trainee lawyer. Next year, our expenses will increase, on the one hand because I will take into account our expenses (100%), and on the other hand, because our health insurance will cost us more, indeed, in 2021 we benefited from a large subsidy, but this one is much lower for 2022.
My goal for 2022 is to finish my different trainings (CAS in Data Protection, CAS in Digital Finance and my lawyer’s license) and find a job with a “real” salary.
Despite these expenses, I was able to put some money aside to invest in the stock market, while having DCA my savings 
Normaly, we will be able to spend at least CHF 3’000 per month for our investment (both 3a, VT and cryptocurrencies).
6 Likes
Couple with a <3 yo kid, living in ZH, 4.5 room flat. This is just opex, so not including taxes and investments.
10 yrs in the country, but I’m still struggling to fathom the amounts you need to spend in CH with a family (esp. accommodation and childcare).
37800 Accommodation, rents, furniture
19000 Childcare + misc baby stuff
14175 Insurances
12350 Food
2300 cleaning service
2500 restaurants
2500 Mobility
3400 holidays
1800 TV internet phone
3000 others
-------------------
98650 CHF
9 Likes
nugget’s turn
Single no kids, living in a shared flat in Zurich
in 2021 I had Expenses of 62k. Biggest chunks are taxes (18k), housing (13k) and AHV/IV (9k). Correcting for Tax & AHV/IV, I had net expenses of 36k or 3k per mont
in numbers:
6 Likes
Here’s our 2021 spending. 2 adults 1 kid, apartment owned excluding taxes.
| Yearly | Monthly | |
|---|---|---|
| Blog | Fr. 19.98 | Fr. 1.67 |
| Car | Fr. 2’717.70 | Fr. 226.48 |
| Cash | Fr. 8’799.12 | Fr. 733.26 |
| Clothing | Fr. 3’340.38 | Fr. 278.37 |
| Entertainment incl. subscriptions/toys | Fr. 4’871.49 | Fr. 405.96 |
| Fees | Fr. 82.05 | Fr. 6.84 |
| Restaurants | Fr. 11’263.62 | Fr. 938.64 |
| Gifts | Fr. 3’761.55 | Fr. 313.46 |
| Groceries | Fr. 15’872.77 | Fr. 1’322.73 |
| Health | Fr. 13’649.18 | Fr. 1’137.43 |
| Housing | Fr. 18’161.56 | Fr. 1’513.46 |
| Mobile | Fr. 415.95 | Fr. 34.66 |
| SideGig | Fr. 982.24 | Fr. 81.85 |
| Services | Fr. 2’287.34 | Fr. 190.61 |
| Withholding Tax | Fr. 582.03 | Fr. 48.50 |
| Other Taxes | Fr. 45.00 | Fr. 3.75 |
| Transport (SBB) | Fr. 1’780.54 | Fr. 148.38 |
| Travel | Fr. 7’552.89 | Fr. 629.41 |
| Total | Fr. 96’185.39 | Fr. 8’015.45 |
I see potential in cutting on Gifts, Health (switched to lowest deductable for wife for next year) and cash spending.
Or with nice graphics:
7 Likes
Using @MrRIP’s template
Married couple, with one baby since May’21.
Bills section includes rent 1.65k, insurances 0.78k, money sent to our parents 1.1k, Serafe, electricity, internet and during Feb-Mar also some final payments to an apartment we bought and rented in another country.
Taxes are not included.
3 Likes
I might be the worse dressed person on this forum since I don’t spend in apparel as much as you guys/girls do. I spend in a year what some of you spend in a month.
9 Likes
I’ve spent 109 CHF in 2021 in apparel 
But I will need to replace them (3 - 5 years of good services [T-Shirt, Pants, Shirts, Shoes]).
3 Likes
This year: 20k expenses. Shared flat with my GF in Zurich, studied the whole year so no income or taxes.
- Rent: 7.4k
- Other Utilities: 600: Internet, Hosting, Phone (prepaid), Serafe
- Insurance: 2.7k
- Groceries: 1.9k
- public Transportation: 1.7k
- University fees: 1.6k
- Memberships: 720: We have a yearly membership at the Sauna (a bit over 500.-), which most of our enjoyment budget.
- Gifts: 300
- Broker fees: 210: Switched from Cornertrader to IB. IB cost a grand total of 25 of those 210 for a similar amount of transactions.
- Clothing: 160
- Other: 2.7k: 2.5k for top-tier beds that will last us for the next decade or three.
7 Likes
when life was still a bliss 
3 Likes
yea, 1.2k looks like alot. correcting for that one tailored suit i had made for work, in 2021 i spent CHF 80. 30 for one pair of trousers, rest underwear 
Full days (I don’t see any eating out/student canteen) of food for 2 for 315 chf/month?
How? 
2 Likes