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CHILDCARE

How to save money on childcare in Zurich

Zurich is Switzerland's most populous canton and one of the most expensive. Here's how to save a little on childcare.

How to save money on childcare in Zurich
Photo by Sharon McCutcheon from Pexels

The high costs of childcare are a frequent complaint of many a parent in Switzerland.

While this of course varies dramatically from canton to canton, the average cost of a day of childcare in Switzerland is CHF130.

The average Swiss family spends a massive 41 percent of their net income on childcare, three times the OECD average of 13 percent.

READ MORE: What is emergency childcare in Switzerland and how do I access it?

When paired with the cost of having children in Switzerland, it’s enough to make someone decide against having kids – or maybe leaving Switzerland altogether.

Tax

Keep in mind with all of these tips that you are able to deduct childcare costs from your tax in Switzerland.

This includes most forms of childcare, including for instance the costs of a private nanny.

In order to do so, you need to provide proof of payment when lodging your tax return.

Parents can deduct a maximum of 10,100 francs per child per year (federal tax), according to Swiss finance comparison site Comparis.

More information about how to deduct childcare costs from your tax can be found at the following link. 

EXPLAINED: What can I deduct from my tax bill in Switzerland?

Leaving the kids with the grandparents may be a more difficult solution for some expats. Photo by Nikoline Arns on Unsplash

Second hand

One of the silver linings to Switzerland’s wealth is that it has a lot of wealthy people, who seem not to mind how much things cost.

As a consequence, there are often great deals on second-hand stuff for kids.

If you send your kid to a creche, they may ask you to provide a range of different things like clothes, umbrellas and other weather equipment and small nap mats or even a basic crib.

VERDICT: How to save money when raising children in Switzerland

Obviously this stuff is expensive, particularly if you’ve already bought it for home.

Remember in this case that eBay is your friend, while you can also check notice boards at the childcare facility itself to see if other parents have stuff to give away.

One inside tip is to change the postcode in your eBay search to a wealthier one, thereby improving your chances of finding a bargain. 

Subsidies

When you learn that parents in Switzerland often spend 130 francs a day per child for childcare, you might feel like it’s time for a career change.

But due to the aforementioned tax breaks and subsidies paid out in the cantons, many parents will pay between 30 and 80 percent of this cost.

In Zurich for instance, if you earn 80,000 per year, you will be liable for around 70 francs per day.

Here is the calculator for Zurich which will tell you how much your subsidy will be on the basis of your income. 

Take time off

Of course, less childcare is always going to be cheaper – so if you can work out a solution where you or your partner takes care of the kids for some of the time, then you’ll already be saving (other than of course the lost wages). 

After birth, Switzerland has a moderate parental leave scheme, but the conditions offered by private companies are often better. 

Keep in mind that your child will be able to attend pre-school or kindergarten from around four years of age. While pre-school is not compulsory, around 99 percent of Swiss kids attend it.

In Switzerland, children can start attending school from around six years of age, with cantons required to offer at least one year of pre-school education.

This does of course depend on the canton, with some offering two years and Ticino offering three.

If you can take advantage of flexible work, then you might be able to take a couple of years off to take care of the kids and go back to work when your kid hits pre-school age.

READ MORE: How to save money on childcare in Switzerland

You can also bite the bullet and call up the grandparents, if of course they live in Switzerland. You’ll have the kids back punctually and with a Swiss dialect in no time. 

But if that’s not an option, then you need to consider the different types of childcare.

While most of us would think of a nursery or a creche as the standard, there are in fact several forms of childcare which are common in Switzerland.

This of course includes nurseries, but also extends to childminders (Tagesmütter or mamans de jour), babysitters, au pairs and private nannies.

More information as to the types of childcare available in Zurich can be found at the following link. 

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QUALITY OF LIFE

‘Pleasantly constant’: Why Switzerland ranks as the ‘world’s best country’ — again

For the sixth time, Switzerland wins the coveted title of the world’s top country in an international ranking. Why does the nation make it to the no.1 spot —time after time?

'Pleasantly constant': Why Switzerland ranks as the 'world’s best country' — again

It’s official: Switzerland has been ranked ahead of 87 other countries analysed by the US News & World Report for its 2023 ranking, which was released on Wednesday morning. 

It is the sixth time that Switzerland tops the rankings, which measure a country’s global performance based on 73 categories. They include entrepreneurship; quality of life; adaptability and progress; social purpose; and other attributes listed here

What exactly makes Switzerland the best in the world?

The country “snags the top spot for business-friendliness and education, “and ranks in the top 10 for quality of life, social purpose and cultural influence,” according to study authors. “Among attributes, it was considered No.1 for being economically stable, safe and least corrupt.”

“And while people may not see it as the sexiest place, they would like to live there.”

One of Switzerland’s top qualities, the study showed, is ‘consistency.’

Unlike the political and economic volatility of many other countries, “there is something pleasantly constant about Switzerland,” the survey found.

It is true that change of any kind is slow to come here.

Part of the reason for this sluggishness is cultural: the Swiss don’t like spontaneity (unless it’s planned) or doing anything on a whim. 

They believe that rushing things and making hasty decisions will have disastrous results, which is why they prefer to take a cautious — even if painstakingly slow — path.

As a general rule, the Swiss have a penchant not only for planning, but for pre-planning as well. They like to thoroughly examine each aspect of a proposed change and look at it from all possible angles.

Another reason (besides the cultural one mentioned above) contributes to Switzerland’s notorious slowness in decision-making — the country’s political system.

Due to Switzerland’s decentralised form of government, the Federal Council must consult with cantons before a decision can be made at the national level.

That, as you can imagine, could take a while as each of the 26 cantons may drag their individual feet, and there could be no consensus among them.

READ ALSO : Why are things so slow to change in Switzerland? 

While some may see this ‘consistency’ as a negative, the US News & World Report considers it to be a definite plus.

How did Switzerland rank in major categories?

‘Open for business’

In this category, the country is in the first place (100 points out of 100).

Simply, this means  the country  is ‘business friendly’ because the government has created a good environment for businesses to thrive. 

“Switzerland has low unemployment, a skilled labour force and one of the highest gross domestic products per capita in the world,” the report relates. 

‘Educated population’

Here, too, Switzerland excels (100 points, first place).

Switzerland not only has an excellent and accessible education system, but according to Organisation for Economic Cooperation and Development (OECD), well over 80 percent of the country’s population have an upper secondary education or above.

This proportion is higher than the OECD average of 75 percent.

READ ALSO: How can foreigners get into a Swiss university?

‘Quality of life’

Here, Switzerland also got a high score ( 96.7), which places it in the fourth place.

This particular category, which includes essentials such as broad access to food, housing, quality education, healthcare, and employment, also comprises “intangibles such as job security, political stability, individual freedom and environmental quality.”

This is not exactly a surprise, as Switzerland often ranks highly in this category in other international surveys as well. 

In which categories does Switzerland rate poorly?

‘Power’

Switzerland’s score here is 26, which lands it in the 20th place.

But this is actually good news, if you consider criteria for this category:

“The world’s most powerful countries also are the ones that consistently dominate news headlines, preoccupy policymakers and shape global economic patterns. Their foreign policies and military budgets are tracked religiously.”

Needless to say, Switzerland has no interest in wielding global power.

Besides (unintentionally) invading neighbouring Liechtenstein on three occasions, Switzerland is not at all power-hungry.

This is not only because it is neutral, but also because its politics is based on peaceful coexistence.

(The number 1 spot in this category was snagged, not surprisingly, by the United States).

‘Movers’

This too is not a major surprise, since the sub-category here is ‘dynamic’, for which Switzerland was given a low score of 29.1.

The country did a bit better in the ‘distinctive’ and ‘unique’ sub-category, with scores of 43.5 and 42.1, respectively.

Overall, Switzerland is in the 26th place.

You can see details of each category here.

What is the Swiss reaction to the report?

Overwhelmingly positive, of course.

“What people love about us is our reliability and our predictability,” said Jacques Pitteloud, the Swiss ambassador to the U.S.

“With us, you know what you get, which is rare nowadays,” Alexandre Edelmann, head of Presence Switzerland, a government agency that promotes the country abroad, pointed out.

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