你是否生活在一个生活成本昂贵的城市里？那你有哪些省钱的诀窍可以分享？
苏黎世与日内瓦跻身世界最昂贵城市排行榜前十位，而该榜前三位置分别被苏黎世、巴黎与香港占据。
如果你居住的城市很昂贵，那么你有没有一些关于缴付日常开支、关于偶尔奢侈一下的或好或糟的生活体验可以分享给大家？我们期待着了解你的故事！
阅读文章 瑞士城市越来越贵，苏黎世水涨船高跃居首位
如果你很聪明，精力充沛，受过良好的教育，你就会得到一份工作，公司的大股东是养老基金，以及来自普通人的储蓄。股权也是国际性的。
If you are smart, energetic well educated you get a job, large shareholders in companies are pension funds, and savings from normal people. Shareholdings are also international.
作为一个前国人，这里的人似乎认为我很有钱。因此，我故意不告诉他们我做什么工作，或者我开什么车，因为这肯定会导致嫉妒。但是，我倾向于吸引错误类型的人。那些人认为我的钱就是他们的钱。即使在这个平等的时代，我遇到的大多数女性认为男人应该付钱。所以，最好的省钱方法是。按预期支付，但等到你去一个昂贵的餐厅时，说你忘了带钱，让你的伴侣支付。如果几天后她仍然是你的伴侣，那么你就成了赢家。如果不是，你仍然是赢家，在经济上。
As an ex-pat, people here seem to think I am rich. So, I deliberately do not tell them what work I do, or what car I drive, as that would definitely result in jealousy. But, I tend to attract the wrong type of person. Those who think my money is their money. Even in these days of equality, most women I meet think the man should pay. So, the best way to save money. Pay as expected but wait until you go to an expensive restaurant, say you have forgotten your money, and get your partner to pay. If she is still your partner a few days later, then you are on to a winner. If not, you still win, financially.
这是一种相当沙文主义的反应！
That's a rather chauvinistic response!
瑞士喜欢榨取穷人和所谓的中产阶级的钱，然后把钱给那些买下一切的富人，这样穷人就成了租赁一切的奴隶。这是一种多么悲惨的文化。
Switzerland loves to milk its poor and so called middle class and give the money to the rich who buy up everything so the poor are slaves renting everything. What a miserable culture.
真是无稽之谈，富人缴纳的税更多，而且许多人受过高等教育，这对瑞士社会有益。
在欧盟国家中，没有任何一个国家的人民能比瑞士人享受更好的生活质量。
What nonsens, the rich pay a lot more taxes, and many are highly educated which benefits the Swiss society.
In no other EU country does people enjoy a better quality of life than in Switzerland.
完全同意--让海市蜃楼出现在中低收入阶层面前，向他们征税，富人（虽然他们也纳税）的财富就会增加。
Totally agree - keep the mirage in front of the low and middle class and tax them and the rich (although they pay taxes) will increase their wealth.
瑞士的庇护所已满。
我们没有达到这个地步，因为科罗纳，但正如我不久前预测的那样，庇护所已经满了，因为
萨默鲁加夫人慷慨地使用我们的税款，从世界各地带来了数量难以控制的避难者。此外，她还让她的特别朋友默克尔夫人把他们运到英国或瑞士....。
谁的意思是：'wir werden es schaffen...' : Sie müssen es schaffen...!
0pinion to full Asylum Places in Switzerland:
' We did not reach this point, because of Corona, but as I predicted quite a while ago, the Places are full because of
Mrs. Sommeruga's generosity with our tax moneys in bringing in uncontrollable numbers of Asylum seakers from all over the world. Besides, she lets in the overflow of her special friend Mrs. Merkel who ships them to England or Switzerland....
Who means with :' wir werden es schaffen...' : Sie müssen es schaffen...!'
我今年20岁，出生在瑞士。在病毒的限制下，几乎不可能找到工作。
我说，实行共产主义，没收这些拥有所有大公司和银行的富人布尔什维克和寡头的所有钱。是时候把钱还给人民了，并进行重新设置或重新分配。在我们出生的土地上像奴隶一样生活是没有意义的。
I am 20 years old and I was born in Switzerland. It is close to impossible to get a job with the virus restrictions.
I say, bring on communism and confiscate all the money from these rich bolsheviks and oligarch owning all the big companies and banks. Time to give it back to the people and have a reset or redistribution. It makes no sense to live like slaves on the land we were born on.
在通货膨胀将其价值偷走的时候，不拥有几乎任何现金也是有帮助的。我们在奥地利、克罗地亚和葡萄牙为带有土地的房屋做了几次抵押贷款。这样，我们将永远拥有一些实物，我们的家人可以继承它。
It also helps not to have almost any cash while the inflation steals its value away. We have several mortgages for houses with land in Austria, Croatia and Portugal. That way we will always have something physical and our families can inherit it.
瑞士总是很贵的，特别是如果你不是来自邻国，而且住得离你的亲戚很近。对我们来说，这相当便宜，因为我们的家人住在布雷根茨。我们在圣加仑租了一套房子，所以我们所有的购物都在奥地利进行，而且我们的孩子也在那里上学。我们所有的开支都放在我们的奥地利公司和诊所，所以我们可以根据我们在圣加仑的开支获得大量的奥地利税收减免。这使得我们的生活比大多数在瑞士的外国人要便宜得多，他们必须在瑞士以昂贵的价格购买一切。
Switzerland will always be expensive especially if you are not from a neighbor country and live close to your relatives. For us it is fairly cheap as our family lives in Bregenz. We rent a home in St Gallen, so all our shopping is done in Austria and that's also where our children go to school. All our expenses are put on our Austrian company and clinic, so we can get a lot of Austrian tax deductions based on the expenses we incur in St Gallen. This makes our lives substantially cheaper than for most expats in Switzerland who have to buy everything at expensive prices in Switzerland.
同意 - 我们住在日内瓦，在费尼（法国）购物。为什么要为我们无法投票和影响的经济做出贡献呢？
我们也在法国买药（我们的非瑞士医疗保险可以报销）。对于瑞士医疗保险而言，如果在法国购买更便宜的药品，则不予报销。这是我听说的第一个不允许购买便宜药品的保险。
瑞士的医疗保健--由医院、诊所、医生、药房和制药公司组成的一个近亲繁殖的集团，病人处于集团之外。
Agree - we live in Geneva and shop in Ferney (France). Why contribute to an economy that we cannot vote and influence.
Also buy our medicines in France (our non-Swiss health insurance reimburses). For Swiss Health Insurance, no reimbursement if cheaper medicines bought in France. The first insurance that I have heard which does not allow the cheaper option to be taken.
Health care in Switzerland - an inbred cabal of hospitals, clinics, doctors, pharmacies and pharmaceutical companies with the patient on the outside.
作为自由职业者，病毒扼杀了我们在瑞士的财务状况，但它在美国开辟了大量业务，那里的公司正在摆脱传统的办公室雇员，并乐于让人们在家里工作，同时他们不再支付办公室租金。
我们现在正准备搬出瑞士，因为我们在这里没有收入，而且瑞士的高额支出和税收也没有意义。
As freelancers, the virus killed our finances in Switzerland but it opened up a lot of business in the US where companies are getting rid of classic office employees and are happy to have people work from home while they stop paying office rent.
We're now preparing to move out of Switzerland as we get no income here and it makes no sense to have high Swiss expenses and taxes.
我真的很感谢这个病毒。尽管我们失去了一份工作，但现在我丈夫可以完全在家里工作。
因此，我们要搬到阿彭策尔的一个非常便宜的genosenschaft公寓里。我们将能够在德国进行所有的购物，我们的孩子现在可以在德国上学并与他们的祖父母在一起。另外，有了这些和孩子们在一起的额外时间，我决定不再想要或需要工作了，因为我们将比我的工资节省更多的钱，因为租金更低，税收更少，购物更便宜，学校教育更实惠，甚至有可能在德国买一个有一些土地的房子，因为我们在瑞士买不起房子。
I'm really thankful to the virus. Even though we lost a job, now my husband can work fully from home.
So, we are moving in Appenzell in a really cheap genosenschaft apartment. We'll be able to do all our shopping in Germany, our children can now go to school in Germany and spend time with their grandparents. Also, having all this extra time with my children I decided that I no longer want or need to work, as we'll save more than with my salary between the lower rent, lower taxes, far cheaper shopping, more affordable schooling and even have the possibility to buy a home with some land in Germany as we cannot afford a house in Switzerland.
另外，我们在RIcardo上购买了所有的家具和电子产品，价格不到1000瑞士法郎。这样我们就省钱了，当我们搬走的时候，我们就可以把它以1瑞士法郎的价格拍卖，然后把所有东西都扔掉。
如果你有一个小公司，把大部分开支放在公司，作为公司技术的投资，在家工作之类的东西，也有帮助。
我们还买了两辆汽车，每辆大约1500瑞士法郎。这已经很便宜了，如果我们在奥地利把它们回收为废品，我们还可以拿回一些钱。
否则，我们不会在银行保留任何储蓄，因为比特币更可靠，回报率更高。
Also, we bought all our furniture and electronics on RIcardo for less than 1000 CHF. That way we save money and when we move away we can just put it up on auction for 1 CHF and get rid of everything.
It also helps if you have a small company and put most expenses on the company as investments in company technology, work-from-home and that kind of stuff.
We also bought 2 cars for about 1500 CHF each. That's cheap enough that if we recycle them for scrap in Austria we can still get some money back.
Otherwise we don't keep any savings in the bank as bitcoin is more reliable and gives a better return.
很好的建议。 除了我们在里卡多购买的二手家具外，我们不在瑞士购买任何东西。我们从德国购买一切，或者从德国网上订购。我们为一家德国公司工作，所以我们只买德国产品。这要便宜得多，而且有助于为我们提供工作的经济。
Great tip. Other than the 2nd hand furniture we also bough on Ricardo, We don't buy anything in Switzerland. We buy everything from Germany or order it online from Germany. We work for a German company, so we buy only german products. It is a lot cheaper and it helps the economy that is giving us the jobs.
我们马上就要省下一大笔钱了。我丈夫的雇主已经正式宣布他可以完全在家工作，而我正在等待我工作的公司。
我们已经卖掉了在苏黎世的公寓，搬到了在楚格附近租的房子，用这笔钱我们将在奥地利建立一个企业，我们将为那里的员工购买两个小型家庭办公室。在5年内，加上商业投资，这将为我们节省很多。
此外，我们从不在外面吃饭，我们的孩子在奥地利上学，我们每个人每年有5个月在那里，我们的大部分购物也在那里进行。总的来说，这是一个很好的交易。我们的合同还有4年就到期了，我们不会再续约。我们宁愿用我们的积蓄搬回奥地利。
We're about to save a lot of money. My husband's employer already made it official that he can work fully from home and I am waiting for the company I work for.
We already sold our apartment in Zuerich and are moving to a place we'll rent near Zug and with the money we're setting up a business in Austria and we'll buy 2 small home offices for the employees there. Over 5 years with the business investment this will save us a lot.
Also we never eat out, our children are going to school in Austria and each of us is there 5 months a year and we do most of our shopping there as well. Overall it is a good deal. We've got 4 more years till our contracts are over and we won't renew. We'd rather move back to Austria with our savings.
首先，不要在外面吃饭，即使是快餐。我们来自美国，在搬到这里之前住在英国，发现在瑞士吃东西太贵了！！。
等待杂货店的销售，然后大量购买。我住在洛桑，所以每个月都会开车到法国去买一些东西，比如那里打折的散装肉。你可以在法国买两车食物，而在洛桑买一车就够了。
我们还大量烹调食物，吃剩下的东西。我们可以很容易地大量制作不同的酱料，然后将剩余的酱料冷冻起来供以后使用，只在需要的时候新鲜地煮米饭、土豆或面食。
投资一个大的深冻库，因为它将为你可以冷冻的熟食的数量而付出代价，供以后使用。
First, DON’T eat out even if it’s fast food. We’re from the US and lived in the U.K. before moving here and found eating out here in Switzerland is prohibitively expensive!!!
Wait for sales at the grocery stores and then buy in bulk. I live in Lausanne so drive down to France once a month to buy things like meats in bulk that are on sale there. You can buy 2 cartloads of food in France for the price of one in Lausanne.
We also cook food in larger quantities and eat left overs. It’s easy to make different sauces in bulk and then freeze the remainder for future use, cooking only the rice, potatoes or pasta fresh as needed.
Invest in a large deep freeze as it will pay for itself in the quantities of cooked items you can freeze for later use.
吃简单的食物。只买需要的东西。不要看富有的邻居，他们拥有更多。
不要与他人比较。
我刚刚描述了典型的瑞士人的心态。
Eat simple foods. Buy only the needed stuff. Do not look at rich neighbours who have more.
Do not compare with others.
I have just described the typical swiss person mentality.
省吃俭用，粗茶淡饭，衣着简朴。全是人生真谛啊！
无论你住在哪里，都要抵制冲动购买（任何东西）。
Resist buying (anything) on impulse, no matter where you live.
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