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Having children and starting a family is an incomparable milestone in life. A family also comes with a certain financial responsibility are associated with it. Therefore, financial aspects should not be neglected under any circumstances. You can prepare financially for a family, a Create budgetwhen the children are there or already provide for their education.
Again and again the question comes up, how much a child costs in switzerland and how best to prepare for it. Hopefully, this post can enrich the creation and shaping of your family!
If you have any more questions on the topic, we look forward to an exchange in the comments!
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
How high the Budget of a family with 2 children Switzerland-wide, the Federal Statistical Office calculated in 2009 (today at least 5% more due to inflation) as follows:
Other studies put the costs somewhat higher at up to CHF 1,800 per month.
The Budget can be roughly divided into:
Before the first child: Be aware that you will probably incur some of the above costs. At least temporarily, a Failure of income, or even both are reduced. Raising a family is wonderful and many people on their deathbed say that, looking back, they would have liked to spend more time with their family.
Therefore, it is advisable to use your Fill up savings account. The answer to "how much does a child"you now know. But don't get crazy about this number, just see what is feasible for you.
You have a Most of your assets are invested riskily? As a young person you can do that, but you might want to consider that Partially reduce risk somewhat. After all, you don't want your share portfolio to be deeply in the red if you need money from it due to a family emergency.
You have You still have a few years before you want to have children and want to let your money work until then? Or you want to invest something for your children for later? A ETF savings plan or a deposit with Selma might be a good idea for you.
Children are already here: It takes a bit of effort at first, but a Families Budget will be extremely helpful. This way you can always keep an eye on your income and expenses and see where you can optimise. There is a separate Guide with savings tips. Ideally, however, it is not about saving money. Rather, a budget helps you Minimise unnecessary expenditure and thereby gain money for worthwhile, value-added areas.
Tip #3: Finances are supposed to provide security, but the question "how much does a child cost" should not limit you!
Take time for your family and if it's feasible, maybe even both of you reduce your workload. The important thing is that your children grow up in security and that you are allowed to experience it. Decisions such as day care vs. staying at home and foregoing salary in return should not only be considered in monetary terms.
Insure yourselves against risksHave reserves for unforeseen incidents and enjoy the unique time! It is less important to your children whether they are given a fortune at the age of 20 or can strut around in brand-name clothes at the age of 3.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Many are startled by the answer when they first ask the question: How much does a child cost in Switzerland? The Amounts look astronomically highbut if you are clever, you can Save unnecessary costs and use the money where it brings joy. Help is not only available from the state; people in the neighbourhood can also look after each other's children, swap clothes or help each other out in other ways.
Toddlers don't care whether they go on holiday to Thailand or Italy. They are also not yet familiar with brand-name clothes at this age. Nice holidays with short journeys and high-quality clothes without a surcharge for brands can save a lot of money. You should look at the question "What does a child cost" in the long term. A Good nutrition and/or about education, may later incur medical expenses or Reduce financial problems.
At the end of the day, all that matters is that your Children grow up healthy and happy. So make time for your family and make finances your supporter rather than a stress factor that you take far too seriously. After all, money is a means to an end, isn't it?
Do you have any more questions or suggestions on this topic?
Feel free to leave a comment!
The costs for a child in Switzerland are roughly between CHF 1,400 and CHF 1,800 per month, depending on the place of residence.
The costs for a child up to the age of 18 differ depending on the canton etc. and are approximately CHF 124,000 and CHF 388,000 per child.
The costs for children can be saved or reduced with used clothing, recycling or, for example, childcare within the family.
Depending on age and place of residence, a child costs about CHF 650 to CHF 1,800 per month
The budget of a family with 3 children in Switzerland is about CHF 1'800 for the 3 children. Depending on the lifestyle, the family budget then amounts to about CHF 5,000 or more.
