Pants down! MP family's 2019 Swiss spendings!

Last updated: October 30, 2020

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Like last year, it was about time to unveil what our 2019 annual expenses were in order to face reality.

Exactly like 2018, I’m a little nervous about doing such an article because it’s pretty much undermining my own beliefs about how frugal I think I am.

In any case, I am counting on you to challenge me where you have ideas for optimizations. Because in the end, it is also one of the goals of the blog for me to continuously improve.

Moreover, as long as your budget is not in auto-pilot mode with a savings rate in the 60-70% range, I recommend that you do the same!

If you’re new here, and you’re wondering how it’s possible to keep track of all your annual expenses in such detail, don’t look any further! The answer is called YNAB.

Enough blah blah, it’s “Pants down” time:

Category2019 amount (CHF)2018 amount (CHF)Comments
Groceries13'971.1513'184.76It’s quite a constant level at about CHF 800. But it would have been better if we had spent less… This category includes food, but also all the cleaning and beauty products.
Irregular expenses35'044.0819'680.09Details below
- Leisure/tourism gas1'757.401'535.48One week of unplanned vacation, and another one planned (but on top), and here are our expenses that take off…
- Leisure/tourism tolls1'284.72760.51I almost fainted when I read this figure, but in fact it’s normal because one of us had to take a training course that resulted in parking fees. This category contains motorway tolls and parking fees
- Tourism1'425.41'024.71We had fun in tourism with different members of our family throughout the year. And it was worth every penny spent!
- Restaurants and outings2'637.652'386.15Same as last year: we focus on good gastronomic restaurants, but not every week ;) This category also includes restaurants to thank people who have helped us in different areas
- Presents1'017.161'439.12Either we ate less at a friend’s house (this category includes the flowers and other desserts we brought), or the tooth fairy had to come less, or a combo of the two :D
- Furnishings1'211.412'446.01A few cookware renewals (necessary), decoration for different rooms (not necessary), and new dishes (not necessary:D). But we’re starting to feel at home here. The next expenses should only be things like washing machine or similar
- Medical8'511.184'583.92And there is the explosion! The year 2019 was a very special year with the beginning of orthodontics for one of the MP children (a large part of which was reimbursed, but we still count it in the expenses because we had to get the cash out), as well as a health problem for one of us (everything is fine, nothing serious, don’t worry!)
- Car expenses and repairs3'435.16242.524x winter tires (great deal on Anibis, 20% used, for a price divided by 8!), but most of all, replacement of our hybrid battery on our Prius. But it’s all good, we set off again for at least 500'000kms ^^)
- BCV fees17.0113.50It’s over, we’ve closed everything at the BCV!!!! Now this category will disappear for 2020 thanks to our new free Swiss bank Zak
- Investments fees1'876.70N/AStock exchange transactions, VIAC fees, foundation fees of our SCI in France, purchase newsletter
- Clothes and shoes Mrs. MP573.69562.84In addition to the “normal” purchases for Mrs. MP, part of the fee was for the renewal of ski equipment
- Beauty and care Mrs. MP446.03213.04Increase but there is a change with respect to investments in more sustainable beauty products that should be reflected in the long term (there are also other beauty products in the “Groceries” section that we have not categorized here because too much detail kills the detail :D)
- Clothes and shoes Mr. MP161.7563.52A new beanie that should last me if I don’t lose it like the old one, and new summer shoes that should also last 2-4 years
- Freedom budget Mrs. MP1'204.101'356.43The idea for this category came to us from the founder of YNAB so that we would not have to justify certain small expenses to each other. For us it was CHF 100/month for Mrs. MP in 2019. We are almost on target. On the other hand, there has been a change in 2020 about this. An article is coming ;)
- Lunch at work Mrs. MP771.55295.20Rather bad score compared to 2018 which was quite frugal thanks to our savings method described here, but which is explained by particular professional needs that we will deduct from taxes ;)
- Lunch at work Mr. MP663.54671.20I thought I had invested even more than in 2018 in personal networking lunches (not paid for by my company), but apparently not :)
- Books, electronics, software120.18227.37Books are an investment, just like software (mainly blog related)
- Professional education4'050.00‌0.00Unplanned but mandatory training, which can be seen as an investment because, spoiler alert, it has already allowed us to increase one of our two salaries!
- Miscellaneous2'292.961'858.57Movie rentals, subscription (which I could have put in the “Investment costs” category in fact), commissioning Sunrise internet abo, Netflix that you take and then cancel when you want to see a series, train tickets, criminal record extract, and other administrative documents
Planned expenses (except apartment)46'325.5745'161.88Details below
- Mobile and home internet abos‌1'346.401'398.20See our setup in this article
- Gas and parking for work Mrs. MP1'828.98‌812.94Living in the countryside has a cost :) Mrs. MP is transitioning to public transport, hence the higher costs (including a half-fare card)
- Online computer backup service Mrs. MP36.00‌36.00
- Beauty and care Mrs. MP854.80839.70This is in addition to the identical category above because this one is for what is expected, and the other one is for the unexpected
- Electronics Mrs. MP0.001'648.00Beware, the devil hides in the details. Mrs. MP changed her phone ahead of time compared to our phone renewal strategy described here, but the costs are included in our phone bill. I’ll explain all the why and how in a future article (I know I’m running late…)
- Public transport for work Mr. MP1'062.802'805.00The cost of living in the countryside, far from the job. No regrets so far! The big difference can be explained because the abo I had was not so profitable as taking my ticket every time. Math never lies ;)
- Online computer backup service Mr. MP36.00‌36.00
- Server and domain names391.71‌419.03Servers and domain names for blog, forum, and other custom projects. I’m going to remove that next year because I’m going to treat the whole MP project as a separate business
- Electronics Mr. MP0.002'628.90Ditto Mrs. MP above, the devil is in the details because I also changed my phone
- Clothes and shoes kids700.04832.06Ah, the subject of the Swiss budget for children :)
- School supplies and outings415.01104.10Ski camps, as well as the famous class photos #memories
- Extra-curricular activities and supplies2'257.132'028.22The respective activities of the toddlers, with the necessary supplies for each one
- Kids’ hairdresser35.0018.12
- Health insurance HIA8'745.607'862.40Our basic insurance for the four of us at Assura, as recommended in this article
- Supplementary health insurance LCA622.80622.80Complementary for alternative medicine, and dental insurance for children (fortunately we took it for orthodontics as recommended by all the parents in our entourage)
- Childcare6'353.35‌4'506.90It went up because we needed more childcare during some vacations, and also because the meals are no longer via the canteen but included in this category
- Children’s canteen0.00441.16
- Teleboy Plus + movie rental189.00‌110.90Compromise with Mrs. MP not to buy a box nor a TV subscription usually more expensive (and we switched to the annual vs. monthly abo of Teleboy, to pay “only” CHF 7.50 instead of CHF 9.00 per month)
- Auto insurance323.30‌474.50We (again) changed our car insurance to save CHF 2'253 over ten years. All the details in this article
- Vehicle technical inspection130.00‌0.00We had to go twice to the inspection because we had a small problem during the first visit
- Swiss motorway vignette20.00‌40.00So much cheaper than tolls in Italy or France… and at half price this year thanks to my job :)
- Car tax103.10‌103.10The advantage of driving a car like ours
- Private liability insurance193.70‌193.70
- ECA40.60‌34.50
- Billag365.00‌451.10
- Taxes20'275.25‌18'333.55Includes a payment to regulate the year 2018, and it’s not going to go down given our salary increases and revenues from personal projects
Planned expenses — Apartment17'172.5517'182.29Details below
- Mortgage interests9'328.80‌9'328.80
- Maintenance and repairs393.60‌327.96
- Concierge416.60‌1'148.04
- Electricity749.15871.25
- Water152.15‌327.96
- Building insurances528.35‌573.96
- Maintenance abos543.20‌410.04
- Banking fees35.00‌41.04If only we could go to Zak :)
- Renovation fund454.00‌492.00
- PPE management fees694.35‌754.44
- Heating and hot water1'781.4‌1'557.96
- Purification and water taxes648.50784.04‌
- Garbage tax100.00‌100.00
- Property taxes464.80‌464.80
- Other one-time costs‌882.65‌0.00Cooking plates, hail deductible: the joys of being a homeowner ;)
Planned expenses — Birthdays2'156.751'791.82Family and friends birthdays, and also children’s friends birthdays
Planned expenses — Christmas989.651'634.80Christmas gifts from family and friends
Holidays6'050.972'570.76As explained in this article, this item varies a lot each year because it serves as an adjustment variable to keep our savings rate within the 40-50% minimum. Last year was full of unexpected events, as well as winter sports, and the purchase of plane tickets for a trip in 2020 (cancelled because of COVID…)!
TOTAL CHF121'710.72101'758.90The 2019 objective was to be below CHF 100'000 in annual expenses. Well, we missed it :D Even scraping out the exceptional events (i.e. CHF 8'927.55 for professional training, health problems, and orthodontist), we ended up with CHF 112'783.17. And by removing 2/3 of our big vacations (i.e. CHF 4'033.98 less) if we had planned for cheaper ones, we still end up with CHF 108'749.19.

The slap in the face…

The lesson I take away from this is that I want to define CHF 8'500 (i.e. 100kCHF over a year) as our maximum allowed expenses per month.
Since I have started publishing our savings rate each month again, it will be pretty easy to keep track of it.

And rather than playing the game of what we could not have spent here and there, I’m more interested in getting your feedback on the categories where I inspire you; and conversely, where you have ideas for drastic improvements compared to the current situation.

I’m looking forward to reading you in the comments below!

And else, how went your spendings in 2019?

PS: Until the end of 2019, I sorted my expenses according to the following YNAB categories:

The thing that bothered me about this categorization was that it didn’t give me the opportunity to compare myself with Swiss statistics and other bloggers who have more readable categories (including knowing how much children cost in Switzerland!)
So from the beginning of 2020, here are the budget categories I use:

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