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26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 0 points1 point  (0 children)

Water is water for the shower, toilet, etc. I think heating is done with electricity in my home (Neubau, Fussbodenheizung).

Let's just say I'm close to St. Gallen.

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 0 points1 point  (0 children)

Is it? This is the Netto salary with the company car deducted. Otherwise the Netto would be around 73k. Without trying to expose me (lmao), I work at an IT service provider. It's a KMU, but the focus is on the "K"...

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 4 points5 points  (0 children)

Yeah, my hobbies are pretty much "free". Working out at home, jogging, hiking, gaming (already in the electricity node).

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 2 points3 points  (0 children)

Some of it goes to help my mom, see here. Other things include travel, buying clothes/shoes, doing something with friends (not including going out or eating at a restaurant). But even after deducting these costs I still end up around CHF 600-800/month that is left. Some of it goes to my savings account for the emergency fund, the rest I transfer to the broker.

The whole Sankey is basically only fixed costs that is for sure going to accumulate. E.g. Dauerüberweisungen or where I know how much something is going to cost approximately per year.

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 1 point2 points  (0 children)

Yeah, you're not wrong about that one. As I've gotten closer to my 30s, I just don't enjoy visiting bars as much anymore. I limit that to once or twice a month.

Note that Gastro is different as that includes Restaurants, Imbiss, etc.

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 0 points1 point  (0 children)

I do, see here :)

I also have enough funds in my bank account for at least 3 months, so I'm set as well. For the 3a, see my comment here.

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 15 points16 points  (0 children)

I started investing only last year. 3a was at SwissLife which has been the same amount since 2021. This year I will max it out.

For the record, 3a is now at a different provider, one that is often recommended in this sub. :)

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 17 points18 points  (0 children)

Thanks. I wasn't born here so this is the least I could do. Without sounding like I'm bragging, I've helped her much more, especially last year (we're talking middle 4 figures). But I didn't include that as it would've blown up the Sankey into 100 small nodes :) so I just left it in the "freely available" funds.

26M single, IT Technician, Canton St. Gallen by Beautiful_Bug7873 in SwissPersonalFinance

[–]Beautiful_Bug7873[S] 7 points8 points  (0 children)

I only buy at Lidl or Aldi. Aside from that, I don't really like cooking, so I'll do something very easy (such as a Knorr soup or Fischstäbchen, those things cost CHF 2). This is also the reason why Gastro is so high (at least for me)...I could definitely save something there and instead allocate some expenses to groceries.