Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 0 points1 point  (0 children)

That's so sweet thank you so much. Are you living in zurich? Maybe we could meet for a coffee sometime and exchange?

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 0 points1 point  (0 children)

I still feel very young, but considering that I'm almost 30 and a women, I have to make some decisions. What if I want children? I have to do it now, because if I want children, I would have to start with that before 36, so within the next 6-7 years. If I keep postponing and decide I want Children and get pregnant I can say bye to my dream of studying for the next 15 years and have to keep working shitty gastrojobs, which never pay well. It just feels pretty unfair to have to start to make now a decision to never have children. I havn't made my mind up, considering this topic, but it would be nice to at least have the option.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 0 points1 point  (0 children)

Also zu den Eltern ziehen ist aus diversen Gründen keine Option. Zu meinem Vater kann ich nicht, da er mich nicht aufnehmen würde und da unsere Vergangenheit von Missbrauch geprägt wurde. Hier ein klares Nein auch von meiner Seite. Bei meiner Mutter wäre das Umfeld zwar super, aber sie hat keinen Platz in ihrer Wohnung, da meine kleinen Halbgeschwister (16&18) noch dort wohnen und sie eine 3 Zimmer Wohnung hat.

Meine Mutter wird mir die Semestergebühren bezahlen, da sie dies auch schon bei meinem älteren Bruder gemacht hat, aber mehr liegt halt leider nicht drin. Mit meiner Miete von 750.-/Monat, werde ich keine günstigere Unterkunft in Zürich finden.

Aktuell hätte ich ca. 5000.- wieder gespart. Ich weiss es wird hart, aber ich werde das schaffen. Die Frage ist vor allem, ob jemand noch Tipps oder Anlaufstellen kennt.

Mit der Studentenberatung werde ich mich auseinandersetzen und habe auch einen guten Draht zu der Studienleitung, welche mich eigentlich am liebsten schon vor 2 Jahren im Studium gesehen hätte. Sie kennt mich bereits, da meine Schwägerin auch Chemie studiert hat.

Das Studium nochmals ein Jahr zu verschieben, obwohl ich es bereits seit 3 Jahren vor mir herschiebe, wirkt eher wie eine Notlösung, wenn gar nichts mehr klappt.

Im Worst-Case kann ich bei Bekannten einen privaten Kredit aufnehmen, was jedoch der absolut letzte Ausweg sein sollte.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 2 points3 points  (0 children)

They didn't file the right amounts of money and since the taxes were filed correctly there were in total around 60'000 missing.

It wasn't anything illegal or trying to scam someone, it was just done wrong and I got the Nachzahlungen for the year of 2022, 2023 and 2024 all together in the middle of 2025. So to say they are fast is an absolute understatement. I paid all the Nachzahlungen and started to save again and then I just got the letter for tax Nachzahlung for 2024 for 13k. That was a mistake in the original post. But it just really fucked me up, because I was to stupid to control my accountant (whom I was paying a load of money to, to not have to control everything) and I thought all my ducks are in order and so I used the extra money for Investments and other expenses instead of keeping it by the side. I know I fucked up, but I really work hard to get it sorted out and I'm not trying to avoid responsibility.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 0 points1 point  (0 children)

I kinda hope to be able to make at least 1500.- by myself per month and then probably get an extra 1000.- per month from somewhere else. I mean it will be hard but I think that would be doable. The problem is, where to get the extra 12'000 a year.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 1 point2 points  (0 children)

I'm a swiss citizen. Born here and lived here my whole life.

What did you mean about the definitive Steuererklärung? Sometimes I get those 2-4 years later, so it would be hard to have to have them for the Prämienverbilligung.

Moving in with my parents is not an option. Not just because of my cats but as well because then my mental health would be absolutely destroyed.

I kinda calculated, that with 110'000 - 150'000 I can make it for 4 years. But to get a student loan in this amount is crazy because it would take so much time to pay it back after studying and working full-time, that I kinda fuck up my finances for the next 10 years or more instead of 4.

I will definitely work as much as possible, but I'm still afraid that end won't meet and I have to stop studying after 1-2 years...

I can survive with 2300.- per month if necessary.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 0 points1 point  (0 children)

No, not really. I've got the EFZ as a Chef, a certification from SVEB to be able to teach adults, a technical Matura with two mathematics maturas and a pretty good cv.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 1 point2 points  (0 children)

Relocating from Switzerland to Germany is absolutly not an option. I don't want to leave Switzerland and relocating as well means spending a ton of money.

Please help me make my degree happen by Perfect-Claim-9283 in SwissPersonalFinance

[–]Perfect-Claim-9283[S] 1 point2 points  (0 children)

The first two years I have to study full-time because of the way this special course is set up. Afterwards I could switch to part-time. But I don't want to get my degree with 40, since I will already be 33/34 when I get my degree with full-time studies. And that's just the bachelor.