GA would be already to expensive for my use case. Cycling to work every day, my wife commutes more (Abo Aargau-ZH), so we do not spend much on this as well. Especially we get 20% off since I have plenty of REKA (3000 CHF @80% input). I can’t understand people who commute more than 20 minutes one way. For my wife it is temporary right now, since she is looking into opening her own takeaway/catering.
I meant rent. But actually we furnished also pretty good. Most of the stuff (Except bed and wardrobe if I am right) is second hand, so no homestuff insurance needed. We have good cooking stuff, but it should last forever (just got a cast iron stuff, probably already 30y old but could look like new) for free.
Oh and I forget, basically not going out much, because mostly we cook better than most restaurants anyway. Never taking lunch out at work (left overs of previous day) and cutting down the meat helps a lot (but when we buy meat, it is quality stuff).
Normally, or credit card bill is largely under 2 kCHF every month, including business expenses.