I’m gobsmacked after calculating our last 2 years’ budgets and spendings. And we are not living large…
Family of 3 in Zürich in a 4.5 flat. The categories are from PostFinance e-cockpit
37560 accommodation and furniture
12000 groceries
9500 kita
2400 baby stuff and services
6300 personal spending (meals out, sports, etc)
1400 communication and media
3270 Mobility
0 holidays 
10000 health insurance
3000 other insurance
2000 small stuff
What I’m puzzled on are Kita costs (20k per year currently @ 3 days a week). How on earth do you cope with this? Before having a kid our yearly budget was 75k, now it’s above 90k with no holidays and not much to save, with our second one it’s gonna be over 110k net… how on earth do families cope with that financial burden?