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SCHOOLS

VERDICT: How to save money when raising children in Switzerland

We asked you about raising children in Switzerland - where the biggest costs lie and where to save. You gave us plenty of specific tips - as well as some important big-picture advice.

VERDICT: How to save money when raising children in Switzerland
Image: PATRIK STOLLARZ / AFP

You don’t need to be a parent to know it’s expensive to raise kids in Switzerland – heck, you don’t even need to be a Swiss resident to be aware of the cost of living pressures in the Confoederatio Helvetica

READ: Everything you need to know about the cost of living in Switzerland

We reached out to our most valuable resource – our readers – to get an idea of the true nature of raising kids in Switzerland, as well as to get an idea on how to save. 

From minimising family holidays to ordering clothes online, here’s what you said about how to keep costs down while raising kids in Switzerland. 

Kids in Switzerland: How much does it really cost

The first question we asked was about whether or not the rumours were true, i.e. was Switzerland actually expensive for raising children or whether the costs of doing so had been exaggerated. 

Perhaps surprisingly, the responses were shared relatively evenly across the spectrum – although our option “It’s just a myth, it’s not expensive at all” attracted zero percent of the response. 

The rest of our responses however showed an even split, with a third of respondents each saying Switzerland was “incredibly expensive”, “expensive” or “manageable, if you know how”. 

How does Switzerland compare?

Raising children is never cheap, so we asked if our readers could compare Switzerland to abroad. 

Most of our respondents said that the cost in Switzerland was comparable with other expensive countries, like the US, Denmark and Belgium. 

The biggest cost was childcare – an issue we’ve covered previously on The Local. 

Study: Shortage of childcare a problem in Switzerland

One respondent, Margaret, said that the additional costs were not offset by the higher wages. 

“It is much more expensive, salary here might be three times (elsewhere) but kids’ costs are more than six times for pre-kindergarten and ten times for school! Crazy!”

Another, Charlotte, had some simple advice: “Switzerland is too expensive for kids”. 

How to save with kids

So, is a life of ruinous poverty inevitable once that pregnancy test result comes back positive? 

Some of our readers answered in the affirmative. MK told us “(there are) no savings with kids”. 

Another told us that saving money was not an option. “It is impossible as if you try to provide for child, such as sport or private lessons, you cannot save money – those things are essential for me and my kids.”

Others, however, said that it was possible to raise happy kids and also save on things like public transport and clothes. 

“Definitely get the SBB Junior Karte. For 30CHF/year, your child travels with you for no extra cost,” Judy said. 

Photo: Depositphotos

Clara said integration was essential for anyone who wanted to save. 

“Do everything local! Learn the language and integrate with the Swiss. Occasionally shopping in Germany helps, but is not a must. There are so many free kids indoor and outdoor facilities in Basel, I cannot ask for more!”

Marta said it was definitely possible – albeit with a fair amount of organisation. 

“Browsing second-hand shops, buying and selling on internet second-hand sites, always looking out for reduced and sale items eg. reduced Christmas wrapping paper in January,” Marta said. 

“Child activity car-sharing, washing machine and dishwasher on after 21h (for a) cheaper rate of electricity… checking the time/day of half-price supermarket items…many bakeries sell previous day’s bread half-price.”

Otherwise, expensive – and not so expensive – extracurricular activities were the next to go, with family events, amusement park visits and holidays among the most frequently sacrificed by our readers. 

READ MORE: Zurich the ‘world’s most expensive city for dating’

What more could be done?

Aside from winning the Swiss Lotto or raising the next Roger Federer, what more can be done to reduce cost pressures for parents in Switzerland? 

Our readers called upon the government to grant additional subsidies – whether in the form of cash payments or tax exemptions – for parents with young children. 

Children in kindergarten. Image: Depositphotos

Charlotte called upon the government to “Reduce the cost of daycare, subsidise babysitters in case of sickness (and provide a) higher monthly children money payment.” 

Childcare was a big cost for many of our readers. Another respondent said that Swiss authorities should “make childcare like Kita free of charge.”

Judy said that the parental leave scheme should be expanded and improved. “Better parental leave, longer periods and with full pay, like Scandinavian countries. Make childcare a priority with more room for more kids.”

Tell me more, tell me more…

Is there anything we’ve missed? Drop us a comment on social media or in the comment section below to let us know your tips for raising kids in Switzerland. If you’d prefer to talk to us directly, send us an email at [email protected].

A version of this story was originally published in November 2019. 

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SCHOOLS

Swiss school or international school: Which is best for foreign parents?

A big question for foreign parents moving to Switzerland is whether to send their children to a Swiss state school or to an international school. Here’s what you need to know.

Swiss school or international school: Which is best for foreign parents?

International schools were originally founded for diplomats and foreign staff on the lookout for an English-speaking school to make the transition easier on their offspring.

Eventually, Switzerland’s international schools gained traction and began to attract the attention of many parents – even locals. Today they count among the most prestigious (and expensive) private schools worldwide.

First, let’s look at some of the advantages of an international school when compared to a state-run public school in Switzerland.

In general, Swiss-based international schools offer not only specially selected subjects, but also a better teacher-student ratio due to smaller classes, better equipment well as extracurricular activities ranging from tennis to drama lessons which not available in state-run local schools.

Moreover, private schools have so far been spared the teacher shortage which has taken over state-run schools. This in turn may lead to wealthier parents opting to choose a privately-run school to better secure their children’s future, according to the President of the Teachers’ Association Dagmar Rösler.

Still, there are a few things foreigners should consider before signing up their school-aged children to attend an international (or public) school.

Duration of your stay

If you are only moving to Switzerland for a short time and plan to relocate to your home country thereafter, an international school may prove just the right fit for your child as it could ease reintegration into their local school system.

Language and integration 

Switzerland-based international schools are – for the most part – run in English with the odd exception offering a bilingual course in the local language paired with English. However, they will offer other languages in the curriculum. 

If you plan to stay long-term or even settle down in Switzerland, it will be important for your child to integrate, and while this is possible when attending an international school, it will be much easier in a native environment – such as a state-run school – where your child is instructed in the local language.

This also enables your child to meet, interact and practice local languages with Swiss pupils as 95 percent of Swiss parents opt to send their children to state-run schools.

Additionally, most state-run schools offer additional language classes for foreign students.

Remember that while your child may feel more comfortable being in an international environment, this could make them feel isolated from Swiss culture in the long run.

You also should think about your child’s personality and what they might prefer or excel in. 

READ MORE: 5 things you never knew about Switzerland’s school system

A student carries books.

A student carries books. Photo by Element5 Digital on Unsplash

School set-up

The majority of international schools in Switzerland classify as so-called ‘day’ schools, meaning that students will stay at the school during their lunch break with lunch being included (and provided) within the school fees.

Local state-run schools, however, expect their students to head home during their lunch break and no meals are offered at those schools. This can prove complicate depending on the parent or caregiver’s work schedules.

It’s also a good idea to research how the schools are run. In Switzerland, cantons are responsible for public schooling and there can be differences depending on the region. 

For instance, Studying in Switzerland reports that in German-speaking cantons, “kindergarten and two years of primary education are combined into the first learning cycle, and students aged four to eight years are in the same class. They call this Grundstufe or Basisstufe.”

In the French-speaking cantons, two years of kindergarten are combined with two other years to make the first cycle of primary education/

Meanwhile, in the Italian-speaking cantons “children attend kindergarten from the age of four”, says the site aimed at students and families considering Switzerland as a place to study. 

At international schools, institutions often follow a particular country’s educational philosophy. For example, it may be based on American, British, French or Japanese school systems. 

Distance

Switzerland’s public schools are usually in proximity to your home where your child should have easy access (by public transport) to the school. In fact, it is common for school-aged children to walk to school alongside their classmates rather than choosing to hop on a bus.

International schools will require you to arrange transportation – such as a school bus – and can be a hassle for your child to reach.

Cost

While it won’t be news to parents living in Switzerland who send their children to private schools, doing so is expensive – so expensive in fact that not only is Switzerland the most expensive country in Europe for international schools, but it is also home to the most expensive city for international schooling – Zurich.

Last year, a report, compiled by International Schools Database (ISD), compared the costs of international schools (in USD) in cities and countries across the globe. 

Switzerland faced no real rivals in Europe for top spot, particularly considering that the three most expensive cities for international schools on the continent were all based in Switzerland. 

Zurich took top spot with a median price of CHF 25,570, while Lausanne was in second (24,250 francs ) and Geneva was in third (23,366 francs). 

Meanwhile, state-run schools in Switzerland are free of charge.

READ MORE:

Admission

If you have chosen to send your child to an international school, you will need to apply in order for your child to be admitted.

This will largely depend on how many places are available at any given time. It is usually recommended to check the application criteria for your chosen school and apply early to get ahead of the competition.

State-run schools guarantee admission for children of mandatory school age.

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