Pants down: yearly spending!


510 for eating out 1 year! This is really super mustachian ! :blush:
Spent half of that in the last three days…:sob:



ouch! that’s a 100 euro nap :slight_smile:

280chf/year in books. Does that count for the “travel” category? :slight_smile:

Isn’t 910 chf for insurances a bit high?


Well given the topic and theme of this Forum that’s really impressive!

But then where are vacations / leisure expenses included - in Diverse? Otherwise I’d be curious on what leisure stuff do you do without spending (hiking, nature stuff) ?


Vacations are split into other categories : for instance, the transportation category include plane tickets we used to travel. Plus we do not have a car, so sometime we rent a car for an extended weekend (around 120 CHF).
As picked up before, we go rarely in restaurants but try to cook everything ourselves.
Leisures activities include hiking, reading (the book category are all the books we bought on Amazon because we could not find them on, and having friends coming at home (or the other way around).

Yup, I was still paying a costly mistake I did when I arrived in Switzerland by signing with an “advisor” for having a 5 years insurance contract - of course at the time I did not compare offers and this contract turned out to be among the most expensive ones. But I guess that was my tuition fee, so I learned to never ever trust anybody else that myself regarding my money.


Family of 4 plus a dog, excluding taxes: 68K chf projected for 2019. Down from 120K a couple of years back :smiley:


wow, that is impressive :no_mouth:


Quite impressive - where did you cut down from?


Thanks :slight_smile:

A lot of different things, mainly:

  • removed childcare (24K but it also reduces income capability)
  • vacations (from global to local for the coming few years)
  • from leshop to lidl
  • envelope system for small spending
  • removed disability and life insurance and wrote final wills instead
  • installed a new heating system that reduces costs
  • misc ”long tail” expenses cut down


Make a claim and you can cancel early by law.


that is somethin interesting…
by “making a claim”, you mean to ask for money for something that “happened” and then cancel right away? sorry, i dont exactly understand


The law (VVG) gives you and the insurer the right to cancel contract after a claim, that’s all I’m saying.

If you can find a reason to make a claim, even if for a small insignificant reason for which you wouldn’t bother otherwise, that’s your ticket out.

I’m not suggesting to make stuff up, but if you do familiarize yourself with the consequences of insurance fraud first and don’t make stupid detectable mistakes then


I live with my girlfriend and we share all costs which relate to both of us (apartment,car, billag etc.). For the rest we pay for each alone.

Thus, CHF 25k/year + 10k-15k for vacation = 35-40k per year for myself. Big expenses are our vacation trips, but thats the only thing for what we really spend “unnecessary” money.


You are all very near the calculation ETHZ does for students.


Believe it or not, the tax authority didn’t believe me that I spend so little despite of my salary. Kind of funny when you have to justify your frugal lifestyle :grin:

Effect of Mustachianism on society
split this topic #36

8 posts were split to a new topic: Effect of Mustachianism on society

Effect of Mustachianism on society