Use less: dishwasher and laundry detergent. I read of someone using half as much as before each time up to the moment that dishes weren’t clean any more, then added just a bit. Also: no name detergent.
just by chance i recently tried to compare prices between laundry detergents per one laundry. Although the overal consumption of these products is rather low, the price difference between something like mbudget and a brand can be up to 20x.
But then I dont know so much on how they are different, and what other cost it may have to use the cheap stuff?
Nugget, I posted an answer in the detergent thread
Phil I agree that the big three will have the single biggest impact. - Do you have practical advice? I have one on housing:
Housing: try to find a deal on housing (rent or own). They do exist, for me it was a combination of: involving collegues and friends, searching with other means than the big websites, thinking about what is important and not important for me. (Also sticker shock upon immigration )
3.1. Being imposed a la source / Quellensteuer: you might have to do a tax report, in spite of what everyone will be telling you. If not: check if it would be beneficial.
3.2. Tax preparation service seems to be very cheap by what I’m hearing.
3.3. Third pillar: don’t put it off the first year, catching up later is not possible.
Optimizing the small things is a question of habits and as such can generate significant automatic savings in the long term. So please share those too
… my collègues seem to pay about 100 CHF, can’t say for sure because I did it myself but I did spend HOURS and am not sure I deducted everything I could have and not sure I filled everything in in the right way (also moving between countries within the year complicates things).
If I could do it again I would have asked someone for help for the first year in Switzerland and then do the following ones by myself.
Should be easy from the second declaration on…
Thanks for the info on third pillar regulations possibly changing!
Buy medicine if you go to France, much cheaper than in Switzerland or Germany
4.1. Genetics generally are the same quality as name brand / original developer (exception to my knowledge are thyroid substitution medications, where the brand should not just be switched because uptake differs between brands, check for your medication)
I was shocked recently comparing the drugs for babies in Geneva.
1 box of sérum physiologique 40*5 ml cost 22 chf in a pharmacy in Geneva. If you happened to pass by France, it will cost 8-10 euros for 4 boxes of the same brand.
This is well-know in Switzerland unfortunately. You can also compare generic/basic drugs prices between Switzerland and France, you will end up paying 4-10x more in Switzerland… This is why there is a lot of resident that are purchasing their drugs in France/Italy/Germany.
Don’t even start with drug prices. I used to travel regularly for work to the US and was astonished by what you could buy over the counter there. Then there were the huge amounts. I remember buying a bottle of 500 paracetamol tablets for about $12. Not sure if you could even buy 24 in Switzerland for that price.
Yes crazy. As to neighbouring countries, France seems a particularly good deal for medication, being also way cheaper than Germany in my case. Maybe someone knows about Italy.
About paracetamol, package sizes have purposefully been reduced in several countries because people are taking to much, leading to deaths by liver failure. Smaller package size seems to reduce the incidence.
Contraceptive are a 3rd of the price in France, Nicotine patches a quarter of the price.
Good to know for people with a 2500 chf insurance deductible : Get your prescription in France. As you won’t get it paid back by your health insurance anyway, at least you won’t pay so much for your medicines.
Point 2) I was more curious about ideas.
I have friends that imported periodically their parents to help out, not sure if others creative ideas exist.
I also come from a culture where mothers have always been part of the workforce.