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Our family
I am 35 years old, married and have three children; two boys (2 and 3½) and one girl (4 months). After studying law, I worked full-time as a lawyer for several years. Today, I work 60 percent of my time at a legal protection insurance company. I’ve currently been on maternity leave for the last few weeks.
My husband is 39 years old and a trained graphic designer. He later studied marketing and has been managing director of his own IT company for ten years. He works four days a week with a 90 percent workload. This means he is in the office for at least an hour more each day. So she can look after the little ones on Monday.
revenues
Together we have a net income of 15,710 francs per month. My husband earns 9,960 francs and I earn 5,150 francs. There is also a child allowance of 600 francs per month.
spending
Residence: We live in a five-room apartment with a shared garden in the city of Zurich. The apartment is beautiful, bright and spacious. Our children share bedrooms and nurseries. We have a dining room and a separate living room. The rent is 3,600 francs. There is also an additional monthly cost of 280 francs.
External child care: The two older children go to nursery twice a week. We currently pay 1,570 francs a month for this; however, the city of Zurich covers part of the costs. Costs will increase when we bring our youngest to daycare.
Telephone, Internet, subscriptions and memberships: My husband’s phone costs are covered by his job. The monthly fee for my telephone subscription is 25 francs. We spend 43 francs a month on the Internet. We have various subscriptions such as Spotify, Netflix and Icloud. This costs us 52 francs a month. And: I have a subscription to NZZ Digital. Even though I don’t have much time to study with my three children, I still pay 30 francs a month. There is also an annual Serafe fee of 335 francs. We both have the patronage of Rega. This costs us 40 francs every year.
Insurance and medical expenses: Household contents insurance and private liability insurance cost us 500 francs a year. We pay a total of 1,233 francs in health insurance premiums (basic and supplementary insurance) every month for the whole family.
We pay a monthly premium of 150 francs for each of our children. We both chose the highest possible discount of 2,500 francs. My wife does not go to the doctor very often and I have been pregnant for the last four years or so and have not had to pay any deductibles or deductibles since there is no cost contribution from the 13th week of pregnancy. eight weeks after birth.
My husband and I go to dental hygiene once a year. This costs us 200 francs per person. I also pay 150 francs a year for my contact lenses. Having children is challenging for a relationship and presents many points of friction. That’s why we go to couples therapy once a month. This costs us 180 francs a month, but it brings a huge relief to our relationship and to being parents.
Mobility: I either zip around town on my e-bike and stroller trailer, or we take public transportation. We both have an SBB half ticket card and a subscription to the Zurich transport association. This costs us 920 francs a year. There are also monthly visits to grandparents in the Zurich Oberland. We spend about 70 francs a month on this. We don’t have a car. But my husband has a ten-year-old Vespa. It costs 500 francs a year for gasoline, repairs and maintenance.
House: We both love cooking and regularly invite guests over for dinner. We spend about 500 francs a week on food. We rarely eat meat. I look for quality when shopping. When it comes to fruits and vegetables, I only buy organic food. We like to treat ourselves to a nice bottle of wine and my husband has a cigarette too. We spend about 60 francs a month on this. I buy diapers as a monthly package from Galaxus. This costs me 160 francs a month.
Meals outside the house: I work from home two out of three days. I’m in the office once a week, then I treat myself to a coffee in the morning and grab takeaway for lunch. I also have dinner with a friend every two weeks. I spend 50 francs a week on this.
My husband goes to the office four days a week and gets a sandwich from Beck’s every time. This costs him about 50 francs a week. My husband and I try to eat out or order takeout once or twice a month. We spend 350 francs a month on this.
Clothes: I buy an item of clothing or accessory once or twice a month. This costs me 300 francs a month. My husband, on the other hand, shops once a year and spends around 1000 francs on it. Quality clothes and shoes are important to us.
As it happens, kids quickly outgrow their clothes and shoes. There are two Whatsapp groups. I buy and sell many things there. Otherwise I browse thrift stores. I also buy something new when it comes to shoes and weatherproof clothing. In total, I spend an average of 200 francs a month on children’s clothes.
Spare time: My husband goes to the local football game once a week. This is free. I go to a fitness class once a week. This costs me 30 francs. We have a two-year subscription to Zurich Zoo. The cost of this is 230 francs per year. We spend another 200 francs a month on excursions such as a boat tour on Lake Zurich or a singing and dancing course for children.
Celebration: We go on a family vacation once a year. Last year we were in Tuscany in Rekadorf. We spent 2,500 francs on this for ten days. A wellness weekend or child-free city trip is also organized once a year. We either go together or we go alone with our friends. This costs us 1225 francs per person or 2450 francs in total.
Direction: Last year we paid about 15,000 francs. This is almost the same amount of money we paid three years ago. We had only one child at that time, but our salaries were lower. The impact of child deductions and wage increases on the tax bill is fairly balanced.
Retirement provision: We have both been paying the maximum amount into the third column since we got married six years ago. We allocate 1,180 francs every month for this. We don’t have life insurance. For one simple reason: we didn’t care about it.
Luxury: Last summer I bought an e-bike from our savings for 3,500 francs. It was very expensive but definitely worth it. I go to the hairdresser two or three times a year, including to get my hair dyed. I spend 900 francs a year on this. I love giving myself a pedicure in the summer. This costs 90 francs per time. My husband loves a good bottle of whiskey. He spends 100 francs for this.
Save: We prepared a budget for the first time two years ago. At that time we wanted to allocate 2,000 francs a month. Today we have 10,000 francs. So the plan didn’t work. My husband and I often argue about our account balance and savings. Thanks to the “Reckoning” series, we now know where our money is going. We can spare up to 1,500 francs. We need money for bigger expenses like my e-bike.
How do we feel inflation?
The rent increased by 200 francs last autumn. This is due, on the one hand, to the increasing reference interest rate and, on the other hand, to the increasing additional costs. We have a natural gas heating system. When we go shopping, we realize that food has become more expensive. Last time I wanted to buy one or two things in exchange for a simple risotto and it cost me 60 francs. This is pretty awesome.
That’s how I feel
I’m doing well with what we have. I like to buy something nice and pay attention to the quality of both food and clothing. This is important for me. And: We are privileged and can afford it.
Increasing rent prices in the city make me a little sick. This is a big item in terms of our expenses. We currently want to live in the city and accept high rental costs because we value diversity and a wide range of cultural offerings. Let’s see what it will look like in the future. My husband wants to put more money aside. I’m happy with the way our savings account looks. Saving is not my priority.
Nina Gut recorded by Katrin Reichmuth actually means something different
Source :Blick
I’m Tim David and I work as an author for 24 Instant News, covering the Market section. With a Bachelor’s Degree in Journalism, my mission is to provide accurate, timely and insightful news coverage that helps our readers stay informed about the latest trends in the market. My writing style is focused on making complex economic topics easy to understand for everyone.
