OK, CHF 114,000 would actually be a more accurate figure for the four of us. I had included CHF 21,000 for the establishment of an Airbnb flat in 2021 (some one off and some recurring items…)
Our top spending categories:
25,100 - rent and utilities
18,000 - health
17,000 - groceries
11,500 - holidays
5,600 - transport