As I’m living with my GF, these are only my expenses or my part of it. I cover 60% of all shared expenses (because my salary makes up ~60-65% of our total salary). This is for 2022:
4’820
per month
1’400
Apartment, electricity
630
Taxes
610
Food, utilities
600
Vacation
590
Education
390
Health insurance, supplementary health insurance, deductible
105
Public transport
105
Internet, Mobile phone, Serafe, Netflix, Prime, Disney+, Spotify
100
Cats
100
Gym, coaching
60
Clothing
60
Gifts
45
Insurances
25
Haircut
Net salary is CHF 6’280 without bonus. So that leaves me with CHF 1’460 net savings per month (CHF 573 VIAC, CHF 887 IBKR). When I receive my bonus (usually 12-20k net), I put 25% of it on my taxes account (as this is my marginal tax rate) and the rest of it is saved/invested. So I’m able to save around 30k/year with bonus included. 9.2k/year is the total contribution to my pension fund, so ~40k/year in total.
Same as Cortana here. I live with my GF and share common expenses proportionally to our salary (65/45). We do not calculate anything for groceries/restaurants/gift and pay more or less with the same ratio.
I am accounting on my part only:
Main post
chf
Rent for 2 bed
1464.00
Heating
8.67
Home Internet
9.00
SIG - Electricity
30.00
Serafe
27.90
Phone plan
9.00
Home insurance
15.44
Laundry
20.00
Lawyer
43.78
Bank garantee
1.67
Health Lamal
312.00
Food,restaurant,clothes,travels,gift…
1272.00
—
—
Monthly Average
3350.00
Average saving rate is 61% or 45 kchf spending for 2021 (including both lpp2 contribution). It is constant since 2016 with a peak year at 52kchf in 2017.
Well, seems that you are already playing this (painful) game.
I will hold all spending in 2021 so that this stays true Just kidding…
While I will give more details in my own thread once I’m done spreadsheeting, here is how it is looking for me for cross-members comparison purposes. Looking at your figures I feel like a big spender.
And let’s not forget that taxes, a lot of taxes (Vaud!) need to be added on top of this. However every single rappen spent in 2021 is accounted for below except for taxes:
Living alone in ZH since my girlfriend is still studying and living with her parents in Italy.
16% increase from last year, more “trips” and some big purchases (watch, laptop and smart trainer for the bike).
You make me dream but I see “child” so you’re not that alone, which explains the extra budget and the extra room.
In my personal case I’m rather investing myself into the “earn more” rather than the “expend less” as I feel I still have some upside of several tens of thousands of franks per year whereas expenses-wise I would find it hard. I really do not feel as if I’m leading a luxurious lifestyle and still it’s over 8k/month with taxes.
Are you sure you are taking into account ALL your expenses?
Well - i guess most of it is considered
And yes - this is also more or less my strategy - a couple of things can certainly be reduced, but its also about the quality of life during the FI(RE) journey and so “reducing to the max” is not an option.
Here are our (my wife, our dog and myself) spendings for 2021:
2021 Yearly
2021 Monthly
Home (rent 5.5pc house, electricity, internet/mobile, furniture, repairs)
40’388
3’366
Groceries (food, household, restaurant)
21’498
1’791
Health (health insurance, doctor, medication, fitness)
11’152
929
Insurance (car, liability, household)
2’002
167
Transportation (car, public transport)
2’522
210
Dog (food, medical bills)
3’187
266
Finance (bank fees)
473
39
Education (books, licence fees)
233
19
Appearance (haircut, clothes, beauty)
5’892
491
Entertainment (electronics, gifts, spotify, netflix, party)
8’335
695
Travel
1’613
134
Taxes (cantonal/federal taxes, AHV/IV)
20’402
1’700
Total
117’696
9’808
Home: Some larger expenses because we moved to a house in September incl. some new furniture, some repairs and cleaning for the old apartment. Groceries: Way too high, we had quite a lot of take away, we are inviting friends for dinner almost every week, but it got way better towards the end of the year. Health: My wife still had an expensive health insurance, but we changed it for next year. Also some more expensive medical bills, which hopefully will not repeat next year. Insurance: Includes CHF 500 donations made to Rega and Paraplegiker Stiftung, otherwise quite okay. Dog: We only got the dog last year, so there are some first time equipments included. We also regularly go to a man-trailing school with the dog. Finance: Includes custody fees and transaction costs, could be a bit lower. Education: Mainy the yearly fees for the CFA chartholder, should be reimbursed by my employer next month. Appearance: This is mainly coming from my wife We won’t cut down in this area, you have to make compromises… Entertainment: Some large positions in the electronics category from my side, some necessary, some not. Should be quite lower next year. Travel: Only one “big” trip to Italy for 2 weeks, “thanks” to Corona
I know, not really mustachian/frugal and some here will think we are crazy, but overall we are quite happy and we won’t change a lot for the next year, we rather try to increase our income than spending time and effort to cut expenses. We also think cutting expenses will be hard without sacrificing quality of life.
We managed to save around 60k, which is on track with our goals.
As I just moved in with gf we share the rent&grocery, therefore I will take in account only my half in the Housing section:
Housing: 18k (9.7k of rent + furniture + Asloca case)
Personal: 7k
Health: 4.6k
Transport: 0.6k
Holiday: 2k
Total: 32.2k per year | 2.6k per month
Hopefully next year we should see a difference of 7.5k in the housing section (15k between me and my gf ) due to a lower rent, which was fought thanks to Asloca (and ofc paid), and no more necessary furniture to buy, which should bring down the yearly total spending to ±24.7k per year (2.05k per month)
So you got a rent reduction of 1k per month? Where are you located exactly? And was this due to contesting the initial rent or any other process? On what grounds?
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