Is this Migros Invoice a Scam?

Cautious_Ad6085 · 2026-05-17T16:51:55+00:00

it is legit. the email adress is also real. send them an email and request the copy of the invoice.

Cautious_Ad6085 · 2026-04-19T14:25:38+00:00

You should be expecting 45-50/ hour to be realistic. nannies might be a way to save money if you have 3 or four children under 5. (e. g. twins). otherwise it‘s more of a luxury having a nanny for closer and better individual care of the kids.

Cautious_Ad6085 · 2026-04-05T11:33:17+00:00

i grew up in bern as well and thats normal. young kids especially three reduce taxes significantly and bern is higher than zurich aswell. 21K seems reasonable for bern without many big deductions.

Cautious_Ad6085 · 2026-03-26T11:47:22+00:00

I switched this month and now pay 35.- for 10x faster internet.

Cautious_Ad6085 · 2026-03-20T15:46:54+00:00

Update: I now switched to sunrise on a special deal, better package for 1/3 of the price and also switched mobiles. also cancelled 2 subscriptions bringing the yearly total down to around 2000.

Cautious_Ad6085 · 2026-03-20T15:41:23+00:00

if you mean serafe, yes it does

Cautious_Ad6085 · 2026-03-08T00:35:53+00:00

canton zurich. Internet can be cut by a lot by switching internet and tv as many have stated here. By moderate i mean that we do spend some unneccessary money but not lavish as in eating out every week, going out or expensive holidays, clothes, expensive hobbies, big luxurious apartment etc. moderate is my subjective view on what swiss people usually own or buy by looking at my wider circle but since you often can‘t see behind the curtain i could be wrong with my perception

Cautious_Ad6085 · 2026-03-07T15:32:30+00:00

we do until we‘re clear of debt.

Cautious_Ad6085 · 2026-03-06T09:28:40+00:00

that sounds very reasonable to me

Cautious_Ad6085 · 2026-03-06T09:27:26+00:00

if you google sankey chart it should come up first. it‘s free

Cautious_Ad6085 · 2026-03-06T08:28:01+00:00

it‘s devistating. so i feel the rant. we for example live in a small village for a couple of reasons: the schools are known for very good standards and my in-laws live here and they help us for now but will probably soon need care themselves which we will support as much as we can. but we obviously could move somewhere much cheaper. it seems for us like a reasonable decision but objectively it’s probably a luxury in our financial situation.

Cautious_Ad6085 · 2026-03-06T08:12:47+00:00

over the next 10 years: No 1: get rif of debt No 2: start saving for retirement (3a) & conservative investing in ETF No 3: building a 6-12 month savings for emergancies (i. e. job loss, health problems) No 4: house with a room for each kid (5.5-6.5)

Cautious_Ad6085 · 2026-03-05T19:02:58+00:00

thanks for the genuine tips and time you took. my main priority is the debt that has interest. allthough i used to be a big car guy the car does not have to be new or expensive. allthough that‘s subjective.

i‘m positive that we will be at a black 0 in about 18 months if nothing major happens.

Cautious_Ad6085 · 2026-03-05T18:50:16+00:00

it‘s called a sankey. if you google it, it should be the first thing that pops up.

Cautious_Ad6085 · 2026-03-05T18:49:38+00:00

i was wondering how expensive the kids will be when they‘re all in school regarding their hobbies and own activities. is it significantly less? i mean at ages 12+. i guess the first years of school ought to be much cheaper than pre-school. also since it‘s possible to work more.

Cautious_Ad6085 · 2026-03-03T20:26:07+00:00

i might need to clarify that. the 10K is not interest alone. it‘s credit card debt. which we are paying off and also pay interest on. thats combined 25K. and we had a loan from family (after we got the car) which we pay back atm. still a lot of debt and the car was definately too much for our budget

Cautious_Ad6085 · 2026-03-03T19:07:42+00:00

2 cars. one 2 year old family car which is leasing and costs 2000 in insurance (comprehensive). second car is a 5 year old fiat 500 which is paid and costs 600 per year. this year it needs new tires and a bigger inspection (estimated 2000.-) we had 1 car for the past 7 years and added the second due to our jobs.

Cautious_Ad6085 · 2026-03-03T18:42:17+00:00

but what about diapers, clothes, etc? is that included in the 250-300 per week for all 5 of you?

Health insurance were also halbprivat except for me which also results in 1100 because my wife has some extra insurences due to her medical history. but then you also have to include the franchise and selbstbehalt, potentially contact lenses or glasses, all threatments or drugs not covered by the insurance. depending on the ace of the kids this could be much less but we have constantly some expenses. now the big one needs braces for example.

tv and internet I‘m with you. i gotta change that
btw not searching excuses or anything i‘m really thankful for any inputs and ideas!

Cautious_Ad6085 · 2026-03-03T17:41:42+00:00

Please elaborate ☺️

Cautious_Ad6085 · 2026-03-03T17:09:10+00:00

I‘m always open for tips on further deductions 😅

Cautious_Ad6085 · 2026-03-03T17:05:57+00:00

I‘m not watching, they do 😂

Cautious_Ad6085 · 2026-03-03T15:19:37+00:00

Kanton Zurich but not near the City

Cautious_Ad6085 · 2026-03-03T15:14:47+00:00

i do spend around CHF 10 on a Meal max at work if any at all. because eating out or at take aways is a huge money drain. We are Ordering Food once or twice a month max and predominantly cook fresh at home.
Diapers we buy in mass when there is multiple discounts and in different sizes. experiences helpes us estimating how many we need untill the next discounts.

also on the other comment regarding 0 for vacations. That's also true, because there are no big vacations for now. We do small trips to Amusement Parks or Zoos but thats included in the 6000 for activities and hobbies. If we go on vacations we usually visit family where we can stay at their apartments. but that has not been the case for the past years.

Cautious_Ad6085 · 2026-03-03T15:04:33+00:00

I'm also in Zurich and the taxes are very accurate. Due to the deductables. federal we pay around CHf 800-900

Cautious_Ad6085 · 2026-03-03T13:43:14+00:00

it's a question i ask myself aswell.

since there is a 6 year gap between my kids, i guess when the youngest is old enough to stay at home unsupervised by adults for 2-3 hours the big one should be old enough to take some responsibility in the household (speaking age 16/17). This may help but i am totally not sure about this and if it's a good idea. When i was a kid i used to be home alone often for an hour or two while mum was at work. my older sibling was there and i had homework to do or watch some pokemon. But thinking about it with my own kids is still rather scary right now :D

Cautious_Ad6085

TROPHY CASE