This is me making my first Budget in my life. I’m M25 and live in Zürich. Recently did my Apprenticeship and started working.
Im consider myself a simple guy but in noway a minimalist. I dont drink, smoke, do drugs and have no girlfriend and even have the plan to get married. If i dont have to take refuge in this cool country i would definitely be a hermit in my homeland.
So how does it look? Did i miss something in my budget? My only future plan is to just invest in ETFs. Idk why but im not really sold on 3a pillar, maybe i understand too little on this topic.
I appreciate for the inputs
https://i.redd.it/481ywh8646mf1.png
Posted by ConsistentGoat3518
8 Comments
Is the starting 5,250 Budget Brutto or Netto?
If Brutto, you forgot taxes and social deductions in your budget.
3th pillar makes sense, because it is not only saving, but it will also reduce your tax bill. You can invest 3th pillar in EFT, too (for example with [VIAC](https://viac.ch/en/)).
Notfall = Taxes? 🙃
3a pillar is basically ETFs that you can take out when you’re old, but you also get tax exemptions from your current income so it’s really nice.
Your clothing expenses are incredibly high
What does the Notfall mean? Is it your emergency fund?
If yes, I’d save for a year of expenses and then start investing that money, not saving it, because saving you already do below.
Hit me up in the DMs if you want a referral code for a good 3a pillar. I can also share my strategy with you.
I doubt you’re paying 15.- for a Halbtax
Always wonder how one budgets for future large expenses. Like actually saving, not just dumping everything that’s left in a ETF and wait until you want to spend it.
It’s 2025, study cripto dude
Thats pretty cheap rent for a Switzerland and Zurich